If the user's credit card is overdue, the bank will usually collect it by phone or SMS, including the outsourced third-party collection company. But it doesn't mean that the bank won't come to the door, and it is still possible to know the situation at home. But now it is basically impossible to see the house, and it is likely to violate the rules if you are not careful.
In addition, in the process of credit card collection, you must not harass a third party or threaten or abuse the debtor himself. Users can keep relevant evidence to complain to the bank headquarters or the Bank of China Insurance Regulatory Commission.
Overdue credit cards will not only report the credit report, but also leave a credit stain on it. If the situation is serious, it will be prosecuted, including the bank will continue to accumulate penalty interest throughout the overdue process. Therefore, users are advised to contact the bank to negotiate a new repayment plan if they want to repay.
1. What are the consequences of overdue credit cards?
If we use a credit card, we can generally enjoy an interest-free period ranging from 20 days to 50 days. However, if we don't repay after the interest-free period, our bill will be overdue, and the corresponding main punishment is that we should bear the corresponding overdue interest.
The main impact of overdue is not penalty interest, but our overdue records will be uploaded to the central bank's credit information system, so we will also leave bad records caused by overdue. If the credit information is polluted, there will be many influences, such as our subsequent mortgage and car loans, personal travel, employment and so on.
If the overdue period reaches a very serious state, it will constitute a malicious overdraft and will be identified as credit card fraud. Sentencing standards will be implemented according to the amount of our malicious overdraft, including fixed-term imprisonment or life imprisonment of less than 5 years, more than 5 years and less than 10 years, and fines of more than 20,000 yuan and less than 200,000 yuan, more than 50,000 yuan and less than 500,000 yuan, or confiscation of property.
If the credit card is overdue for more than 6 times in two years, then you can't apply for a provident fund loan. A short-term careless overdue once or twice may still be possible, but if we are overdue three times in two years, then our provident fund loan will be out of reach. Because ordinary banks or provident funds mainly rely on the credit records of lenders in the last two years when handling credit business. Therefore, those cardholders who want to apply for provident fund loans to buy a house must pay back on time when using their credit cards.
If the overdue time is not very serious, then theoretically we can still handle the bank loan business. Many cardholders who want to borrow money to buy a house are overdue and have bad records in credit reporting. In this case, if you apply for a commercial loan, most banks will raise your benchmark interest rate by at least 10% due to your credit problems. Obviously, the cost of buying a house will increase greatly. If we are seriously overdue for many times, then you will be directly refused the loan by the bank. Therefore, when using a credit card, considering that we have plans to buy a house in the future, we must not overdue it.