The credit card debt owed to the bank must be repaid, and it will be useless if you ask anyone. If you have money to hire a lawyer, you might as well use it to pay off your debt.

The first step of the bank’s debt collection is a text message reminder, followed by a phone call (Ping An Bank will use many methods in this process). In the third step, if the phone debt collection is ineffective, it may choose to come to the door to collect the debt. The following is If the three steps are ineffective, they will choose to sue (banks are also unwilling to take this step, because the cost is high and the cycle is long. If the debtor does not have enforceable property in his name, it does not make much sense to take this step).

I owe 52,000 yuan to Ping An Credit Card, which is not a small sum. Long text messages and phone calls have no effect. The bank will also come to understand the situation. You can also refuse the bank's visit. This is yours. Right, if you refuse, the bank collection officers cannot enter your home or your company (office).

If you spend another sum of money to hire a lawyer, it is better to use the money to pay off the debt. Lawyer fees are not cheap. And even if you hire a lawyer, the lawyer’s advice is: pay back the money as much as possible.

Shouldn’t you be trying to find a way to pay back the money first? Hey, can you ask a lawyer to pay you back? Do you have any misunderstandings about lawyers? In your concept, is the lawyer Ultraman? Or like Sun Wukong, plucking a hair can make your debt disappear. If you have the money to hire a lawyer, then it would be better if you repay the interest on your loan first.

To put it bluntly, do you have the money to hire a lawyer but not the money to repay the loan? Are you working as a lawyer in vain?

Moreover, a single bank owes more than 50,000 yuan, and the bank has repeatedly failed to collect the debt. If you are not worthy of repaying the debt, the bank will probably prosecute you for credit card fraud. Credit card processing is not like a loan. Loans are civil disputes at best, but credit cards are criminal offenses once they are prosecuted for credit card fraud.

Of course, the bank must still hope to recover the money through collection methods before suing, because the cycle of suing is very long, and the bank itself also has costs. If you have this amount, there is a possibility that others will come to collect you. Still big.

Don’t believe what people on the Internet say that door-to-door collection is illegal. Repaying debt is a matter of course. As long as someone else's bank staff comes to you to ask for the loan under legal and compliant circumstances, you have nothing to do, even if they come to your home and you call the police. If you don’t believe it, you can try it

Do you still have money to hire a lawyer? Why did you hire a lawyer when the bank came to your door? Do you have too much money? Besides, lawyers may not necessarily take this kind of case. First, you have no money, and there will be no profit from you. Second, you need money to solve this kind of problem. Money is the thing you lack most now, so you should think of ways to make money! We will directly give you the result of not paying back your credit card debt.

What is the worst result if you keep defaulting on your credit card debt? Some cardholders ask the above questions. In fact, most of the people who can ask such questions are friends who have difficulty repaying their loans. Even so, I still want to remind everyone that if you continue to default on your credit card debt, the consequences may be very serious, and I hope it will attract everyone's attention.

1. Serious overdue credit will affect personal credit

Now the country is gradually incorporating personal credit reporting into market-oriented operations. In the future, people with bad personal credit may find it difficult to move forward.

2. Get on the credit “blacklist”

It is understood that generally, credit card overdue payments are no more than 3 times. You can apply for a credit card but the amount is very small, and you can also get a loan, but the interest rate is very high. High, and those who have overdue repayments more than 6 times or who fail to repay once will be included in the "blacklist" of the People's Bank of China's personal credit reporting system (nationally networked). If you are on the "blacklist", you will not be able to apply for credit cards and loans. .

3. Constituting a crime

According to the Criminal Law, malicious overdraft of more than 5,000 yuan on a credit card constitutes the crime of credit card fraud and may be sentenced to a fixed-term imprisonment of less than 3 years; malicious overdraft of 50,000 yuan to 200,000 yuan If the amount is between 200,000 yuan and 200,000 yuan, it is considered a huge amount and may be sentenced to 5 to 10 years in prison; if the amount is more than 200,000 yuan, the amount is extremely huge and the sentence is more than 10 years.

4. In the end, if you can’t pay off the high amount of debt, you want to run away. Banks are not vegetarians. They use various methods of collection, but the result is just to pay more penalty interest, litigation and other miscellaneous fees.

Finally, let me tell you how the law treats "lao Lai".

The "Decision of the Supreme People's Court on Amending the "Several Provisions of the Supreme People's Court on Restricting High Consumption by Persons Subject to Execution"" will come into effect on July 22, 2015. For persons subject to execution who are included in the list of dishonest persons subject to execution, the people's court shall take consumption restriction measures against them.

Article 2: When the people's court decides to adopt consumption restriction measures, it shall consider factors such as whether the person subject to execution has passively performed, avoided execution or resisted execution, as well as the person's ability to perform.

Article 3 If the person subject to execution is a natural person, after taking measures to restrict consumption, he shall not engage in the following high consumption and consumption behaviors that are not necessary for life and work:

(1) Taking transportation When purchasing tools, choose second-class or above cabins on airplanes, train soft berths, and ships;

(2) High-end consumption in star-rated or above hotels, hotels, nightclubs, golf courses and other places;

(3) Purchase real estate or newly build, expand or high-end decorated houses;

(4) Leasing high-end office buildings, hotels, apartments and other places for office work;

(5) Purchase vehicles that are not necessary for business operations ;

(6) Traveling and vacationing;

(7) Children attending high-fee private schools;

(8) Paying high premiums to purchase insurance and financial products ;

(9) Taking all seats on the G-prefixed EMU train, first-class or above seats on other EMU trains, and other consumption behaviors that are not necessary for life and work.

If the person subject to execution is an entity, after consumption restriction measures are taken, the person subject to execution and his legal representative, principal person in charge, persons directly responsible for affecting debt performance, and actual controller shall not implement the provisions of the preceding paragraph. Behavior.

First of all, if you spent the money yourself, it is useless to ask anyone. If you find a lawyer, the lawyer will also recommend that you negotiate repayment with the bank. If you have any repayment action at the credit card center, , generally won’t go to the extreme to sue you.

But as an adult, you should bear the corresponding consequences for your actions.

I see some people talking because their conscience is eaten by dogs. They cannot be Chinese and can only be lackeys of the capitalists.

Repaying debts is a matter of course. No one says not to pay back the money, and no one makes fun of their credit.

The stipulations in the loan contract are protected by law and are not wrong. According to Articles 497 and 498 of the "People's Republic of China" and the Civil Code, when the standard clauses are invalid or the interpretation method of the standard clauses is inconsistent with the non-standard clauses, the non-standard clauses shall be adopted. Please look at this clearly! The country issued instructions from the Supreme People's Court on April 16, 2020 (Fafa No. 202012). The People's Bank of China and the Supreme People's Court issued relevant legal interest rate interpretation regulations on "the upper limit of the maximum interest rate for private lending is 15.4%" on July 20, 2020; since the national laws and regulations on private lending can no longer be calculated according to the previous 24% or 36%, then the state Licensed financial banking institutions in socialist countries should set annual interest rates lower than this for private lending.

Look at the high-level officials of the country who still consider and care about the people in many aspects, but the following people will do anything for the sake of profit, contrary to the instructions of the high-level officials.

There is nothing wrong with banks coming to your doorstep. The key bank always entrusts a third party to carry out collections and violent collections (see Figure 1). The third party does not guarantee and abide by its agreement to peacefully pursue debtors; it is always for the sake of profit. Extending the butcher's knife to the common people, preferring to pay excessive benefits to third parties instead of reducing or reducing the amount for the common people. This is the behavior of capitalist landlords! Don’t always think that debt collection is an act of justice and a contribution to social harmony. You must know and understand more about why debtors have actual difficulties in overdue and non-payment... No one has money that he refuses to repay. The key is whether there is money to repay and compound interest. Does the method comply with national policies and laws?

You can consult a lawyer. The cost of hiring a lawyer is not as good as paying off the debt.

Pay back as much money as you can. Whether you pay more or less depends on your sincerity in paying back. Collection agents can’t stop you from coming to your door. As long as there is no red-headed document saying that they are suing you, it won’t be a big problem. Just pay back as much as you can first. What the bank wants is your sincerity in repaying the money, not what they do to you. Paying back 10 yuan a day is also a sincerity in repaying the money.

It is natural to pay back debts. Don’t you need to hire a lawyer to pay back the money? Already? Does it cost nothing to hire a lawyer? It's better to use the thousands of dollars spent on hiring a lawyer to pay off the debt

Instead of hiring a lawyer! You can negotiate with the bank to repay in installments!