1. What should I do if the credit loan and credit card are not returned?

Users can choose to negotiate repayment with the bank. After the user submits the application for repayment negotiation, the bank will review it, and the negotiation will be successful only after it is approved. Through the examination, the bank will reject the user's application for negotiation, so that the user can only find ways to collect the money first and pay back the credit card arrears first. After all, overdue credit cards will have more negative effects. In addition, the unavailability of credit cards may be caused by the high debt ratio of users. Users can repay in a planned way, giving priority to credit card arrears.

Credit card is a tool that banks provide to eligible cardholders to overdraw in advance. After using the credit card, the user must repay on time within the prescribed repayment period. Otherwise, overdue behavior will not only generate penalty interest, but also affect personal credit. In case of serious overdue, the cardholder may be sued by the bank. If the cardholder is judged as malicious overdraft, he may also bear criminal responsibility for credit card arrears. Therefore, credit card arrears should be repaid even if they are unable to repay.

2. What are the consequences of overdue credit cards?

1, no longer enjoy interest-free repayment.

When the amount owed is small and the overdue time is short, the issuing bank will calculate the interest on a daily basis with the consumption amount as the principal, with the daily interest rate of 0.5 ‰, and compound interest on a monthly basis, and will also charge a monthly fine of 5% for the minimum amount that has not been repaid.

2. Receive a reminder notice

When the overdue time reaches a certain period, the bank will send relevant reminders.

3, affect personal credit records

If the overdue time is too long and the bank's reminder notice is ignored, the credit card account will be frozen by the issuing bank. The record of arrears may be fed back to the personal credit information system of the People's Bank of China, which will affect the cardholder's personal credit record and make it impossible for the cardholder to apply for a housing mortgage loan normally.

4. Seriously, it will constitute a crime because of "malicious overdraft"

When the amount owed is large and overdue for a long time, it may even violate the criminal law. If the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than 3 months after being urged twice by the issuing bank, it shall be deemed as "malicious overdraft".

If the credit card and credit are not returned, it is necessary to negotiate repayment. If the credit card is overdue, you will receive a reminder and be sued by the issuing bank. Credit card is a non-cash payment method, which can provide the function of spending first and then repaying. According to the users of credit cards, they can be divided into personal cards and corporate cards, and according to the payment of reserve funds, they can be divided into credit cards and quasi-credit cards. Credit card has the characteristics of interest-free repayment and revolving credit.