Why don't some people return their credit cards?

there are four reasons: first, the bank will target the customers who don't pay back; The second reason is that the user who can't afford it actively contacts the bank, and the bank chooses to believe that he will pay back the money later; The third reason is that it is overdue every month, but it is repaid every month; The fourth reason is that the overdue time of credit card holders does not exceed three months.

1. The first reason is that banks are targeting customers who don't pay back, and they will be targeted at whoever they draw.

With the development of society, ten people and nine people have credit cards in their hands. The simple reason is that many young people are flocking to credit cards because of their high quota and early consumption. You should know that the overdraft function of credit cards makes it easier for them to buy whatever they want. However, many people are used to spending in advance with credit cards, and from time to time they will exceed their consumption level. When they see the bill, they can't fill in all their wages.

At this time, some friends often perform the fairy operation, choose to pay it back later, and start to feel uneasy. However, after the deadline, they find that the bank has not chased themselves, so they feel lucky that it is okay if the credit card is not returned, and slowly forget about it. But in a short time, it's not that the bank doesn't chase your money, and there are too many credit cards issued by the bank. If more than one person doesn't pay back the money, the bank will give priority to the large amount of money. There is really no way for the bank to choose.

after all, everyone should understand that it takes a lot of manpower, material resources and financial resources to chase all banks. In a word, banks can't be busy with lawsuits every day without doing business, which is simply unrealistic and impossible. Therefore, banks can only be customers who never pay back, and they will deal with whoever they draw, and then slowly clean up others.

User A: It means that if the credit card is not returned, nothing will happen as long as it is not targeted by the bank. Laughing .....

Bank: Sooner or later, if you don't pay it back, I'll dare to put you on the credit blacklist ...

User B: Heaven has a good cycle, and God has spared anyone. It's not that you don't report it, but the time has not come.

2. The second reason is that the user who can't afford it actively contacts the bank, and the bank chooses to believe that he will pay back the money later.

Some people know that they have maxed out their credit cards, and even can't afford the minimum repayment. At this time, the overdue credit card payer voluntarily chooses to "surrender himself", actively explaining his financial situation to the bank, and convincing the bank that the overdue credit card payer will pay back the money. In this case, it is impossible for a bank to do so. As long as the credit card overdue payer actively communicates with the bank and gives the bank enough security (the repayment plan agreed by both parties), the bank will still maintain a good relationship with the overdue payer.

Credit card overdue payer: "Boss, can you give me some time? I will work hard to pay back the money. Don't put me on the credit blacklist, so as to ensure that the boss can be on call at any time, without losing contact, crying ..."

Boss (bank) thinks: "I can understand your short-term difficulties, but I still need to communicate how to pay back the money. This will not ... "

Credit card overdue payer:" Thank you for the opportunity ... "

3. The third reason is that it is overdue every month, but the money is returned every month.

The third case is that the credit card holder is overdue every month, but pays back the money every month. This operation sends a message to the bank: "Although credit card holders can't afford that much money for the time being, they have a strong willingness to repay." In this case, banks will not choose to go.

4. The fourth reason is that the overdue time of the credit card holder is not more than three months.

In the last case, the credit card is not returned to the bank because the overdue time of the credit card holder is not more than three months. The general workflow of banks is to collect money first to see if credit card holders will take the initiative to repay. If the collection is not paid back for three months, the bank will decide whether to hold a credit card.

Credit information is so important to individuals, why do some people owe hundreds of thousands of credit cards and don't pay them back?

Personal credit investigation is very important. Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit institutions to enjoy credit information.

Credit investigation records personal credit behaviors in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are often referred to as "credit records".

Personal credit report plays an important role in mortgage, credit card, private lending, job hunting, renting a house and other fields. Personal credit report is the paper report that directly reflects personal credit.

First of all, you need to check your personal credit report when buying a house, a car, a credit card, etc. If there are bad records on your personal credit report, banks or other lending institutions will not lend money;

Secondly, people with good credit can apply for loans more easily, and the amount of loans they apply for is often higher.

Finally, reflecting people with poor personal credit records may affect job hunting in the future, because you have poor personal credit, so you are a person without credit. In this society, personal credit is very important. For people with bad credit records, employers often consider it when hiring.

If there are bad records in personal credit records, especially those who are blacklisted by banks, it will be more difficult to get a loan.

what benefits does credit reporting have for us personally? As the saying goes, existence is right. So what is the significance of the credit information system that the country has made great efforts to establish in recent years for us personally? To sum up, there are mainly the following points:

1. It is convenient to borrow money.

As the saying goes, "It's not difficult to borrow again if you borrow and pay back". If your credit report reflects that you are a person who pays back on time and earnestly fulfills the contract, the bank will definitely like you, not only providing credit services such as loans and credit cards, but also giving preferential treatment in terms of amount and interest rate.

2. Fair credit.

another big benefit of credit investigation is that it helps you to get more fair credit opportunities. The credit center provides the bank with an objective record of your credit history, "let the facts speak for themselves", which reduces the influence of subjective feelings and personal emotions of loan officers on your loan and credit card application results, and allows you to get a fairer credit opportunity.

3. Save time.

A lot of information that banks need to know is in your credit report, so you don't have to spend so much time investigating and verifying the authenticity of the information you filled in on the loan application form.

are there many people whose credit cards are overdue? Their intestines are green with regret after they are overdue

With the increasing popularity of credit cards, more and more people have the habit of spending by swiping credit cards. Among these people, some people brush their credit cards and don't want to repay them, so they want to know if there are many people who don't repay their credit cards within the time limit. If there are many, they don't have to repay them themselves. Below, let's introduce the relevant situation for everyone.

There are quite a few people who fail to pay back their credit cards within the time limit.

according to the data released by the central bank, the total outstanding credit of credit cards overdue for half a year was as high as 1 million yuan, an increase from the previous month, while in 21, this figure was only 1 million yuan. In eight years, it has increased more than 11 times, especially the number of overdue people and the amount.

some people may say that since there are so many overdue people, I simply won't return them. Anyway, it's not too much to have one more. If you have this idea, or have already planned to put it into practice, you'd better look at the consequences of overdue credit cards before making a decision.

The consequences of overdue credit card repayment are as follows:

1. There is a credit stain

After the credit card is overdue, the bank will report the overdue behavior of the cardholder to the central bank for credit investigation, which will produce a bad credit record. With the credit stain, it will affect the handling of credit cards and loans in the future.

2. collection by the bank

after the credit card is overdue, the bank will collect it by SMS, telephone and other means, and may even outsource it to a third party for home collection, so you can't live a peaceful life until you pay off the debt.

3. Take legal measures

If the credit card is overdue, the bank may take it. If it is due to credit card arrears, it is usually civil. If it is malicious overdraft, it can be handled as a criminal case.

generally speaking, there are quite a few people who fail to pay back their credit cards within the time limit, but they will all encounter the above consequences.

There are several people in my village who have swiped hundreds of thousands of credit cards and refused to pay them back. Why don't they have something to do?

this is not necessary, there are two situations.

First, he swiped his credit card, maliciously overdrawn it and failed to pay it back after the deadline. This situation will definitely not be as fine as you said.

Secondly, if he owes more than 1, yuan to his credit card and fails to pay it back for the time being, but he is still handling the bill every month, then this is still regarded as normal repayment. Nothing will happen in the short term.

whether you are talking about the first case or the second case depends on the details.

I'll tell you how much trouble an uncle's overdue credit card has brought to his later life!

Uncle has a business partner, who is also his good buddy! Speaking of him, it's not easy. His parents divorced when he was a child, and then they went their separate ways. They never took care of him again. Grandparents brought him up, and he came out of society at the age of fifteen to learn to be a chef, a younger brother in sauna, and a salesman with a big truck. At the age of eighteen, he came to Sihui with his uncle to make jadeite. Life has slowly stabilized, and I have married a daughter-in-law and two precious daughters!

In about 212, my brothers made a big stone, and one of them put in a lot of money, but they couldn't do it in a short time. Everyone was so worried. Coupled with his own factors, he was forced to let go of everything here and ran to Yunnan with his daughter-in-law and a pile of stones!

I've just arrived in Yunnan, and I'm a stranger. My daughter-in-law is weak and penniless after giving birth to her little daughter!

then the jade market in Yunnan came up in 13 years! He dealt with more than 2 thousand stones (still losing money), and his life slowly stabilized again!

At this time, his father, whom he hadn't seen for years, came over and complained about all kinds of hardships. Then he took more than 1, stones from him (half of them belonged to friends from Sihui), saying that he would help him sell them and earn some difference! And took him a credit card! I haven't heard from you since!

He paid off his debt for another year (the shares of his friends in Sihui), and then went back to Sihui in 15 years to buy a plane ticket. He was told that his credit card owed more than 7, yuan, which was overdue for more than two years (the credit card was tied to the mobile phone card of Sihui, so he never knew it), and he was included in the list of dishonesty, and was forced to pay it back. He took the train back to Sihui, and the down payment for buying a house was not enough, so he settled from the beginning.

During the period, because the house price doubled, I struggled for nearly three years, and finally got enough down payment. I was ready to buy a house and settle down at home. When signing the contract, I checked my credit card and it was more than 25,! (When I paid it off, I was also very worried. I thought that the card had been scrapped and I didn't cancel it. As a result, it was brushed by his father.) There was no way out, so the couple went to get a divorce to buy the house! How many storms, family conflicts and all kinds of quarrels have occurred during this period! His daughter-in-law refused to use the money earned by husband and wife to pay back the credit card!

I cried a lot when I was drunk at night several times. Why do you always let him put this on the stand?

Then we have to travel a lot, such as Yingjiang Ruili in Yunnan, and we can't drive with him every time! Too long and too tired! So sometimes when we go by plane, he can only go by train for more than 3 hours! And he can't go to the public table at all!

there are many forests anyway! Because of the credit card, family conflicts and inconvenience in life!

Hour light reminder: Credit investigation is very important! Just like a person's honesty in business!

I can only say that they are lucky. Before swiping their credit cards, they have to measure whether they have the ability to pay back. If they don't have the ability to pay back, I advise you to swipe your credit cards less, because swiping your credit cards will make you feel that someone is paying, and you don't really take out real cash, so you don't have the heartache of spending money. When it comes to repayment, you will have a big head.

Therefore, I can only say that you should pay less credit cards, and you should restrain your spending habits, and you should not be extravagant. As for the several people in the village who have paid hundreds of thousands of dollars but don't pay them back, you can only say that you don't know exactly. As long as it is a regular credit card, you must pay it back, otherwise you may be punished. Don't think about using other people's money without paying it back. There is no such good thing!

it may be comfortable now, but the future will be painful.

if god wants it to perish, he must first make it crazy. Nowadays, this society encourages consumption and debt. College students have all kinds of campus loans. Perhaps many people have seen or heard that someone owes a lot of money to the bank. Why not go to jail? Such an abnormal fact can't be justified. Instead of being punished, the wicked jumped out to show off the so-called "making something out of nothing" and were proud of not paying back their debts. What's wrong with it!

There are two main reasons for this phenomenon:

First, it is difficult to enforce the law, and it takes time and cost to execute judicial procedures.

credit cards that are overdue by hundreds of thousands (let's just say that they are all credit cards) are generally owed by multiple cards. After all, there are few local tyrants with hundreds of thousands of cards. This has led to a problem. Hundreds of thousands seem to be a lot, but it is not much to be shared with each bank. For example, Xiao Zhang owes the bank 3, credit cards and fails to pay them back. Xiao Zhang has 8 cards with different amounts. On average, each card is 37,5, which is less than 4, yuan. Suppose he is 41,. According to the criminal law and the judicial interpretation of the Supreme Law, if it is overdue for three months in a row, it can constitute a "credit card fraud crime", and the amount of 4, belongs to.

Ideally, Xiao Zhang should go in and squat, but the actual situation is not that simple.

difficulty 1, no one can be found! These lazy people also know the number of ways to collect money. When the bank handles the card, because of legal compliance, it can't guide the customer's address book. When it handles the card, it leaves two phone numbers. If it is determined to make a hole in the bank to be a lazy one, there is no such thing as a black account, a list of broken promises and a friend's face in these people's hearts. As soon as the phone card is changed, the related people are clear, and the bank can only be silent, until three months later, it can only be classified as bad debts.

Maybe everyone will ask, then why not call the police? Are the police vegetarians? In fact, banks are more anxious than anyone else, but banks should also consider the cost and feasibility. After three months' overdue, the legal department of banks will entrust lawyers to report cases, file cases and subpoenas, and it will take time. It is also necessary to consider the cost-effectiveness ratio of the recovered money and the money spent, and it is also necessary to queue up (after all, the situation is more serious than that of Xiao Zhang or there are many people who came first). At the same time, the cross-regional law enforcement linkage mechanism is not so clearly established (although it has been improved a lot now), especially this kind of finance. The concealment is relatively large, and the division of responsibilities is difficult to be clear. For example, Xiao Zhang ran a card in Guangzhou, fled back to the mountains of his hometown in Guizhou, and the police on both sides cooperated. It is not clear for a while. Therefore, the attitude of the bank is to communicate online as much as possible, and try not to go to court without going to court.

second, the problem of overdue funds.

some people say that they owe hundreds of thousands to the bank, but they don't necessarily owe it.