There are 300 thousand loans and credit cards in his name, which are almost overdue. Can banks still borrow money from houses with cars and mortgages? You have 300,000 loans and credit cards in your name, almost no overdue. A house with a car and a mortgage shows that you are a customer with good credit. If the mortgage bank is low, you can still get a loan.

Second, I owe a loan of 50,000 yuan and a credit card of 300,000 yuan, which is not overdue. I just have a real estate license. How much can I borrow?

How much you can borrow depends on how you talk to the loan company.

If you want to apply for a mortgage, you must do it before it is overdue. Dealing with a single overdue loan is not easy. So there are several points to note:

1, you should figure out your current debts, plan how to repay controllable debts, and repay them according to the agreed time limit to avoid default.

2. When the debt pressure is great, there is a risk of default, and it is uncontrollable and cannot be repaid, we must find ways to deal with it in advance. Either communicate and negotiate repayment, or take the property under your name as a certain mortgage.

3. Try to make money outside and save money at home. Reduce debts and reduce the pressure of life.

Third, my five credit cards are not overdue, and the running water for half a year is more than 300 thousand. ...

It depends on whether it is resolved after the deadline.

Do you have any bad records?

Generally, the amount is not large, and overdue settlement will not affect the loan.

Fourth, what about those who owe online credit cards and can't pay them back after the deadline?

What else can we do?

There are only three endings.

The first outcome is to ignore it for many years, waiting for the bank to go bankrupt, which may turn into bad debts and be written off. In fact, banks did fail, not without them.

The second ending is the nature of debt collection by the company, and the bank plays the golden cicada. Debtors will be taken to the bank in many ways, become blacklisted by credit information, and live the life of a lost dog from now on!

The third outcome, forced by debt, really can't take extreme measures to avoid debt forever. For example, revenge on society, mutual destruction with creditors and debt collectors and other extreme ways to end the restless life without joy or regret! Not alarmist!

The loan company, the lender, Qian Qian, who is holding his hand, does not lend easily. Think about his high school principal and even his life. Only by controlling the upstream of the loan, will there be less and less dishonesty and laolai.

You see, in the end, you have to pay back the money (legally), sooner or later, except for those who deliberately don't. Finally, Lao Lai. Reasonable money must be returned. I bought more than a dozen platforms and credit cards, and I am trying to make money to pay off my debts. I can't help it I have invested, overspent, and few people don't pay back the money. I hope to give the debtor more space and understanding. I don't want to pay back the money. I really have no choice.

It's just a personal credit problem. You should eat and drink. It's rare to hear that you went to jail for owing online loans and credit cards. I haven't paid more than 10 thousand online loans for more than four years, and now I have basically given up on him. The classmate bought a house and a car in his wife's name, and his life was good. They used online loans to tide over the difficulties.

I'm almost three years overdue. In the first year, I collected more powerful recruitment, Wanda, credit card: Ping An, Transportation, CITIC. Among them, Ping An pretended to be a policeman, because he was really indefensible, so he didn't care too much. Others have been collecting money and have a better attitude than others. But no matter how much they collect, they must stick to it. It's no use talking without money. When you have money, you can communicate with them and pay back the principal in installments. Pufa, Minsheng, Ping An and CITIC have all repaid the principal and the rest in installments, and attracted investment from Guangfa. Just waiting for them to negotiate, it is not easy for China Post Finance to negotiate now, especially since the online loan has not been repaid some time ago. It's not that I don't want to return it, but I really can't do anything. All the phone calls and messages. As for whether life is not terrible, the key is what you think and see.

By my side.

Tell me a typical one.

My friend's brother worked in insurance after graduating from college. At first, the performance was not bad. I paid off the down payment with my credit card and bought a car of several hundred thousand. As a result, not long after, due to the cost of protecting friends, the car loan could not be repaid normally and it was overdue. So, robbing Peter to pay Paul, and later, the credit card expired, and he applied for an online loan. In this way, more than two years, the debt accumulated to more than 600 thousand, no way, he opened it without telling his family, and later the family knew that he owed a huge debt! After buying a car, forget it. I heard that I saved my parents in the past two years. Now my parents, who are nearly seventy years old, and his three people work to pay off their debts, and they haven't paid them off yet.

Through my friend's brother, I summed up the lesson: 1. After the online loan and credit card expire, the interest is very high. If it is not repaid in time, small loans will soon become terrible huge debts. 2. Young people should first consider the consequences. Unless they are sure to pay off in time, don't easily go to online loans and use credit cards in large quantities. 3. Don't hide the online loan and credit card loans overdue. Be sure to tell your family in time and ask for help as soon as possible to avoid snowballing interest from turning small loans into huge debts.

Finally, let's talk about the solution to the problem: if the loan has become a large amount of arrears and cannot be repaid, we should negotiate with the borrower as soon as possible, strive to waive most of the original interest, sign a repayment agreement, and ask for interest-free or low interest during the repayment period, so that we can hope to pay off the arrears. Otherwise, if it's interest or repayment, I'm afraid this will never be clear in the case of low income.

Credit card: negotiate with the bank as soon as possible before it is overdue. Give a detailed repayment plan!

1. Interest

As we all know, the interest rate of banks is very high. Just try to find out how high it is. You have to pay two fees before credit card repayment, one is late payment fee and the other is penalty interest. The late payment fee is usually 5% of the unpaid part of the minimum repayment amount, and the interest is five ten thousandths per day, and the interest is rolling.

blacklist

Too many overdue times or malicious refusal to repay will be blacklisted, and there is no hope of buying a car or buying a house loan in the future. Once blacklisted, it will affect your credit history, so your future cars, hotels and other aspects will have an impact.

3. Legal liability

Once you arrive at the bank, you will be investigated by law, so if you overdraw and don't repay, even if you "run away" or "disappear", it will not help. If the credit card is maliciously overdrawn for more than 90 days, the bank can handle it. Many bank credit card centers hand over the credit card repayment collection work to "debt collection companies", and they will go directly to the cardholder's residence or even their hometown to collect debts!

Now the consequences of not paying back the credit card are more clear. I suggest that all card friends live within their means and repay in time after overdraft to avoid overdue. And if you really can't pay at the moment, don't take extreme measures. Besides the minimum repayment and installment, you still have a way out. You can choose to change the billing date.

No matter how difficult it is, it's still a few hundred dollars a month.

There are two kinds of online loans: one is online loans with credit information, and the other is online loans without credit information. Online loans with credit information are returned first, and those without credit information are waiting to be returned.

Whether it is credit card or online loan, the first thing we should do is to adjust our mentality, make full use of our advantages and make more money. Please pay back the money as soon as possible!

You owe money, not life! Pay it back if you have money. If you have no money, you will go bankrupt. If you are lucky, you can make a comeback! No luck, just work hard to make money! Eat and drink, look down! The experience of a person who has been there! The world is the most important! When you are down and out, your reputation is really worthless! Is an ordinary person in itself!

I now have four online loans, Meituan 8000, Micro-loan 20,000, 360 loan 60,000, Alipay loan 2 1 10,000. 9 credit cards, * * * 186000. With a debt of 500 thousand, I can't take it anymore, and my eyes are in a trance. Alipay has been overdue for 5 days, and there is no violent dunning at present. Now it is handed over to the so-called professional negotiation company for the second installment.

If it is overdue for a long time, it must be a violent dunning first, or even an address book. As far as I know, no, at least not online lending, but private lending. It's just that if your psychological construction is not strong enough, you need to get through it yourself. It's best to consult a bank or online loan company to stop repayment, otherwise only interest will be paid, and the principal is still a lot, which is simply a bottomless pit.

Finally, I hope the business of physical stores can be better. Everyone should take care of physical stores and don't always buy them online. Now the profit of physical stores is really low, and there is no such profiteering. Wish you and yourself an early landing.

I only owe online loans. For more than two years, interest rates have been surprisingly high. Collection calls and threatening text messages have been intercepted. Haha, just the same. Eat and drink.

Heaven has a good cycle, but heaven has spared anyone.

If you owe an online loan credit card, you can't afford it after the deadline, and you still have to pay it back in the end. Personal point of view.

Online loans and credit cards. Generally speaking, the amount will not be too high, and overdue is just a process. How can young people see rainbows without experiencing wind and rain? This is also a kind of exercise, and people have to go through many hardships in their lives. I only know a lot of truth, and some things have to be experienced by myself. Correct attitude and work hard, and everyone will get through this mess. Online credit card, overdue is not terrible, take the initiative to repay, you will enjoy a relaxed repayment pleasure.

Having an online credit card proves that you have good credit information and a credit card, which is also a status symbol. Making good use of credit cards will also bring you a lot of convenience. He has many benefits. I won't explain much. I'll finish it in a few days. In a word, good use has many advantages, malicious overdraft has many disadvantages.

People on earth are good at living. No one wants to leave a stain on themselves and influence the next generation. Personal opinion, a normal credit card will be returned after the deadline. There is still a long way to go in life, and there will always be opportunities to change your destiny.

Of course, there is another kind of person, who is broken and broken, so I won't mention it. Wasting time. What will happen to him can be imagined.

Online credit cards are overdue and not hateful. The most hateful things are those who borrow money from relatives and friends, those who have the ability to owe money to the bank, and those who owe money to relatives and friends. Forget it, by hook or by crook, it is even more hateful than online scammers. Why don't you want to return it? Whose wind is blowing? This kind of person is the most hateful.

Wealth cannot be greater than merit. I wish my friends positive energy, sunny optimism, healthy life and enjoy life.