However, here, Xiaobian wants to tell everyone that there is no such idea. If the credit card is overdue, it will affect not only yourself, but also your family. Couples "share" credit According to Article 17 of the "Family Relations" in Chapter III of the Marriage Law of the People's Republic of China, the property acquired during the existence of the marriage relationship is jointly owned by the husband and wife, and the corresponding debts are also shared. Therefore, when the bank examines the personal credit status to decide whether to issue a loan, it will consider the credit status of its spouse. If the husband and wife have one who has overdue, they may be affected when they buy a house or buy a car in the future. Affect children What we usually hear is that blacklists affect children's key schools. Regardless of whether it affects the choice of education, first of all, the “blacklist†of parents has already brought “hidden†bad education to their children. Affect family After the credit card is overdue, it will receive a series of reminders, including SMS reminders, phone reminders, door-to-door reminders, and even various collections, which will affect the normal life of the family. Legally sanctioned Depending on the circumstances overdue, the circumstances will be severely sanctioned by law. In addition, after the credit card is overdue, more expensive fees will be paid, just like the snowball is getting bigger and bigger. How should we stop the loss in a timely manner? After the deadline, what can't be done? Missing Many people think that I changed my mobile phone number, changed my contact information, moved home, and the bank can no longer find me. A large number of factual cases tell us that such an approach is very stupid and can only make things worse and worse. Your real name information has been recorded by the bank. Once you "run the road", the bank will determine that you have malicious overdraft and arrears. The correct way is, once you are unable to pay back on time due to unemployment, illness or other accidents, it is best to contact the bank credit card center to make a statement about your financial situation and declare yourself before the final repayment period. It is not a malicious arrears and applies for late repayments and interest discounts. Pay off and sell cards After a period of turnover, I finally paid off my debts. After I landed, I wanted to immediately draw a clear line with me. I want to cancel my credit card. Deregistration of credit cards can also make things worse, because personal credit records can display up to a few years of records, and once the card is cancelled, the credit history will be stuck in the current overdue status. The correct way is to eliminate bad records after repayment, you should stick to the card for 2 years, and the credit during the period is good, so you can use the rolling to reverse the original overdue records with the continuously updated follow-up card records! Credit card overdue? Don't panic, find a remedy Summary: A lot of people, because of carelessness, credit card forgetting to repay or unable to repay debts, the credit has a problem, the worst result in credit problems, the mortgage loan can not be done, the result is not only to bear high penalty interest, the plot is serious Will cause legal disputes. Furniture,Outdoor Furniture,Chair Furniture,Office Furniture NINGBO CHEN WEI SUPPLY CHAIN MANAGEMENT CO.,LTD , https://www.chenweifurniture.com
Some people think that it is okay to overdue once in a while, as long as it is timely repayment; some people think that as long as a certain amount of credit card is returned every month, it will not constitute credit card fraud, it will not affect; others believe that Overdue credit card is your own business, and you are responsible for it. 
A lot of people, because of carelessness, credit card forgetting to repay or unable to repay debts, the credit has a problem, the worst result in credit problems, the mortgage loan can not be done, the result is not only to bear high penalty interest, the plot is serious Will cause legal disputes. Then let's talk about any way to remedy it.
1. Pay off the arrears and interest. Don't have a lucky feeling. Of course, you can negotiate with the bank to make installments. Don't change the contact method so that the bank can't find it. The money is not used anymore. The bank can report the case and hold you legally responsible.
2, do not sell cards, insist on using cards. The central bank’s credit history is rolling, and the “bad record†has a retention period of 5 years (not two years, where the basic version is a one-word description, the detailed version can see the account’s last 24 months of overdue records, credit report It is updated once a month. You can go to the official website of the People's Bank of China Credit Information Center. If it is more than five years, the credit bureau will delete it, provided that all the money is paid off.
3, light and heavy can be discussed. If there are three consecutive times in two years and six times are overdue, many banks will refuse to lend. If the non-malicious arrears are overdue, they can negotiate with the bank. It is also understandable and will agree with the cardholders on the repayment plan acceptable to both parties. Still can lend you money.
Finally, you must know that the bank gives you a certain amount of credit card rules. The bank's credit limit to the cardholder is generally 3-5 times of its monthly income. Don't overestimate your repayment ability, and crack the credit card to the cardholder. The pressure is not small. Secondly, banks are people who like to abide by the rules of the game, and maintain their own credit history in order to achieve sustainable cooperation. Finally, remind everyone that credit cards are double-edged swords, and more love must be restrained.