Pufa Credit Card overdue10.2 million yuan. At this time, you should negotiate with the bank first. On the surface, you are not maliciously overdue, but have insufficient repayment ability. Apply for partial interest reduction or extension of repayment period. In the case that the bank agrees to negotiate repayment, the user can borrow money from relatives and friends first, then pay back the credit card after borrowing the money, and then pay back the money from relatives and friends.

In addition, money owed to relatives and friends will not affect personal credit, but money owed to credit cards will affect personal credit.

Consequence of overdue credit card: 1, bearing high penalty interest; 2. Initiate laws; 3. Leave a "credit stain" in the national credit information system. For the purpose of illegal possession, if the cardholder overdraws beyond the prescribed limit or term, and fails to return it for more than three months after being urged twice by the issuing bank, it will be regarded as "malicious overdraft". Referring to the criminal law, it is stipulated that a malicious overdraft of more than 5,000 yuan of credit cards constitutes a credit card crime and can be sentenced to fixed-term imprisonment of not more than 3 years; Malicious overdraft of 50,000 yuan to 200,000 yuan is huge, and may be sentenced to 5 years to 10 years; More than 200,000 yuan is a huge amount, and the sentence exceeds 10 years.

The first way: call the bank customer service in advance and postpone the application for a few days! Find a reasonable reason and call customer service a few days in advance to apply. A few days' delay is generally acceptable. However, don't stop calling and put it off for two or three days. Many people listen to online nonsense and have a grace period of several days. Every time you delay 1-2 days, you will be in trouble if there is a problem with the credit information. Don't always step on repayment. The second way: call the customer service staff to apply for bill installment. Applying for installment of bills is the favorite of banks. Although the repayment pressure can be alleviated in a short time, the installment of bills is equivalent to loans, and the installment fee is still relatively old. Proper bill installment helps to raise pension cards. It is best to take out about 30% of the bill installment. If the score is too low, the bank will not make money, and if the score is too high, the bank will think that we have no money and the cost is too expensive. 30% is the best golden ratio! If it's really difficult in a short time, take more money for installment, then you may pay more interest and measure it yourself! The third way: minimum repayment amount, minimum repayment amount, can also alleviate your current short-term repayment pressure to some extent. But it is worth noting that the bank pays interest in full, and the minimum repayment interest is very high.

What if the credit card (debit card) of Shanghai Pudong Development Bank is gone?

Consequences of overdue repayment by credit card (debit card):

1, the bank will charge a penalty, which is generally 5% of the unpaid minimum repayment amount;

2. The bank will charge five ten thousandths of overdue interest every day, counting from the date of consumption;

3. It will leave a record in the bank, which will have a certain impact on personal credit records.

What if the credit card (debit card) runs out of money?

1. Repay according to the minimum repayment amount;

2. Repayment of bills by installments;

3. Find someone to borrow money to repay.

Overdue negotiation repayment process of Pudong Development Credit Card

First call the customer service phone of the bank credit card center to make an appointment for negotiation.

If our credit card of Shanghai Pudong Development Bank is overdue, we should actively contact the credit card center to discuss the follow-up repayment.

Our credit card is overdue, so we should take the initiative to communicate with the credit card center to show a positive repayment attitude and win more opportunities for us. We can call the credit card center to make an appointment for the staff, and take the initiative to facilitate the negotiation and deal with it as soon as possible.

Second, negotiate with the staff at the appointed time and propose a repayment plan to the bank.

After we have agreed on the negotiation time with the staff of the credit card center, we should negotiate with the staff on time to jointly agree on the follow-up repayment plan.

Before the negotiation, we should draw up a follow-up repayment plan according to our own actual situation, and the repayment plan should be formulated in combination with our own income, which can be actually implemented later. When we negotiate with the credit card center, we can express our own situation and exchange our sincerity for the recognition of the staff.

Third, if the bank approves the proposed repayment plan, it will follow the repayment plan in the future.

If the staff of the credit card center approve our repayment plan, then we must repay the credit card arrears according to the agreed repayment plan, so as to avoid overdue again and strive for more opportunities for ourselves.

If the credit card center doesn't approve our plan, we should continue to negotiate with the staff of the credit card center and then negotiate with the credit card center on the premise that we can achieve it. I believe that we can finally determine a solution that will satisfy both parties.

How to negotiate if the credit card of Shanghai Pudong Development Bank fails to repay after the deadline?

If the customer can't repay the credit card debt of Shanghai Pudong Development Bank, when negotiating with Shanghai Pudong Development Bank, he should first explain his personal situation and provide relevant information as evidence, such as unemployment certificate and proof of termination of labor contract. It shows that he didn't pay back on purpose, but he didn't have the ability to repay.

At the same time, you should express your sincere repayment idea, then apply for extending the repayment period, repay the arrears in installments, or try to apply for suspension of repayment.

Shanghai Pudong Development Bank will consider it as appropriate. If it finally agrees, the customer will discuss with the bank how much time to extend, how much installment to repay, and how much to repay each month. After discussing the new repayment plan, the customer can repay the loan on time according to the new repayment plan.

If you apply to stop paying the bill, there will be no new penalty interest for the arrears. Of course, you still have to pay the previous penalty interest. Of course, in order to pay off debts as soon as possible, customers can actually try to borrow money from family and friends to pay back their credit cards.

1. There are two main ways to cancel the credit card of Shanghai Pudong Development Bank.

1. Customer service called to cancel the credit card.

You can call the 24-hour customer service hotline 400-820-8788 to apply for card refund. When you cancel the card, you can't owe money on the account, and in order to ensure the safety of the account, you must take the card with you when you cancel the card by phone.

2. Cancel the credit card at the counter.

If your credit card of Shanghai Pudong Development Bank is lost, you can only cancel it at the branch counter. If there is a new account payable within 45 days (inclusive) after the card is cancelled, it will still be borne by you. After returning the card for 45 days, if the account has no arrears or overflow, the system will automatically close the account without going through any formalities.

2. Under normal circumstances, the bank will not handle it immediately after receiving the cancellation from the customer, and it will take some time. During this period, the bank will check whether the credit card is in arrears and whether the arrears are all settled.

Because the cancellation of the card may not be a complete billing cycle, even if all the bills received before are paid off, there may still be some arrears, so the bank needs some time to confirm, and the general banking cycle is about 45 days. After confirming that the cardholder has no arrears, the bank can cancel the card for the cardholder.

How to negotiate with the bank to solve the overdue credit card of Pudong Development Bank?

Contact the customer service of Shanghai Pudong Development Bank by telephone, tell the other party about the repayment problem, and indicate that they are willing to apply for negotiated repayment and wait for the other party's reply. When negotiating repayment, you can apply for an extension of repayment period, repayment by installments, or try to apply for suspension of repayment. As for which one to choose, you can do it according to your own situation.

Without special circumstances, the bank can't promise to repay only the principal, and can only discuss how to repay the principal and interest separately on a regular basis. Pay back a part first, not too much, so that the bank feels sincere. During the negotiation, it is suggested to record it as evidence. It should be noted that even after the negotiation is successful, even if the repayment of each installment is normal, it will still be reflected in the credit report, and it needs to be planned well. You can pay it off in one lump sum, but you need to communicate with the bank in advance and let the bank assist in handling the credit issue.

When users find that their credit cards are overdue, no matter how long they are overdue, they will return the overdue principal and the interest generated at the first time. If the overdue time is not long, about a week, then the user has the opportunity to remedy it. Because banks report information to the central bank's credit information system every once in a while. Therefore, if it is overdue for one week, the overdue record of the user may only be in the banking system, and there is no loss report for the time being. Therefore, at this time, the user took the initiative to explain his situation to the bank, indicating that it was not malicious arrears, but a temporary negligence caused the overdue. In this way, after verifying the situation, the bank may not report it to the central bank's credit information system. If users find themselves overdue for a long time, then in this case, banks have generally reported to the central bank's personal credit information system. At this time, the information in the central bank's credit information system cannot be tampered with or erased. After the user pays off the arrears, he can only wait for 5 years before it will be automatically eliminated. Therefore, even if this situation is reported to the central bank's credit information system, users need to repay in time, otherwise the credit information stain will always exist.

Ways to prevent overdue credit cards and set repayment reminders. Now many online banking or third-party payment tools have repayment reminder function. Therefore, in order to prevent themselves from being overdue, users had better set repayment reminders. Set up automatic repayment. If the user has opened online banking, he can log in to his online banking account and set up automatic repayment. In this way, we just need to ensure that the automatic repayment account has enough funds. On the repayment date, the bank will automatically deduct the funds from the corresponding account, without worrying about overdue.

The consequences of overdue credit cards are: liquidated damages, generally the minimum repayment amount, 5% of the unpaid part. Interest is high, and it is rolling interest. When there are many debts, interest is scary. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years. Overdue for more than 3 months, the amount exceeds 1 0,000, and the bank has repeatedly reminded it to be unsuccessful. At that time, you will not only pay back the money, but also bear criminal responsibility.

This is the end of the introduction about what to do if Pudong Credit Card can't repay, and what to do if you owe Pudong Credit Card 20,000. I wonder if you have found the information you need?