Stand up again and make persistent efforts! Pay tuition this time! There is always something to gain!

Second, what should I do if I still owe loans to rural credit cooperatives?

What if the credit card is not returned?

1. Attitude is important. Take the initiative to explain the actual situation to the local card department of the issuing bank. Don't avoid it, or the bank will think that you have defaulted maliciously. Even if it can't be repaid in full, try to show sincerity in part.

2. Credit card arrears can be sued to the court under the following circumstances:

Other collection methods are invalid, and the overdraft principal and interest exceeds 1000 yuan;

B. To grasp the property information such as customer's arrears deposits, it is necessary to freeze the judgment;

C because of non-repayment, the company has to participate in the collection.

3. Overdue records will automatically enter the credit information system of the People's Bank of China, and banks do not need to report them. Bad records will not be cancelled after settlement, and will not be overwritten in the system until 24 months after settlement. The credit information system can only find the records of the last 24 months.

3. What should I do if I can't get a loan from a credit union because of business failure?

After handling the loan, if the borrower can't repay the loan in time, he can apply for loan extension. The regulations of each lending institution are different. Some lending institutions support the extension of personal credit loans, while others do not. Under normal circumstances, if the borrower fails to repay the principal and interest on time due to his own economic reasons after obtaining the loan from the lending institution. Lending institutions will call borrowers to urge them to repay.

At this time, the borrower is really unable to repay. In order to control risks, lending institutions may advise borrowers to apply for loan extension. In this way, borrowers have enough time to repay their debts, and lending institutions will not suffer too much losses. Of course, after the borrower applies for extension, the lending institution may change the extension interest. In addition, ordinary lending institutions, such as banks, are reluctant to apply for extension. But it does not rule out special handling in special circumstances.