1 has a serious impact on future loan and credit card applications.
After the credit card is overdue, the bad credit records will be uploaded after the repayment date or grace period, and the bad credit records will generally be eliminated once every five years. Now is the credit society. To apply for various formal loans and credit cards, the first step is to check the applicant's credit information. For users who have "three times and six times", they will generally refuse.
2. Generate high penalty interest.
Credit card consumption is a kind of credit loan behavior. After the credit card is overdue, the penalty interest will be calculated from the overdue date. With the long overdue time, the penalty interest will gradually increase, which will further increase the pressure on cardholders to change their cards.
3. Personal credit information is tainted and even affects family members.
Bad credit records will be uploaded after the credit card is overdue, leaving a stain. If the overdue amount is large and the overdue time is long, it is likely to be included in the list of untrustworthy people, which is also commonly known as "Lao Lai". If you are married, it will have a serious impact on buying a house in the future. Married people need to check the credit information of both parties when buying a house, and one party cannot successfully review the loan because of the credit information problem. In addition, many aristocratic schools may also need to check parents' credit information now. If the credit information is not good, they will reject their children's application for admission. After becoming "Lao Lai", it will have an impact on all kinds of large-scale consumption, flying and high-speed rail.
4. Risk of going to jail
According to the relevant regulations, the overdue amount of the cardholder exceeds 50,000 yuan, which has reached the filing standard. At that time, cardholders need to bear criminal responsibility. In other words, if the bank files a criminal lawsuit, the cardholder may face jail time, and those who have been in jail generally have criminal records, which will also affect the children's future examination of civil servants and soldiers. If the bank brings a civil lawsuit against the cardholder, then the cardholder does not need to bear criminal responsibility.
Users can generally go to Yingxin to get personal credit big data report, check the loan record, whether it is overdue, whether it is blacklisted and so on.
Extended data:
What are the dunning methods of banks?
The first type: telephone collection method.
This is an overdue behavior that exceeds one billing cycle.
The second type: SMS collection method.
This kind of collection is aimed at the cardholder's past overdue repayment behavior, generally within 15 days, and reminds the cardholder or relatives by SMS.
The third type: letter collection method.
Send it by registered mail.
The fourth type: door-to-door collection.
Regular door-to-door collection, including sending letters, looking for family members, looking for relatives, looking for unit leaders, and exerting pressure through these people.
Fifth: the way of court prosecution.
This kind of overdue behavior is aimed at more than half a year and the amount is large. The bank will apply to the court to ask the cardholder to repay.
Sixth: outsourcing collection methods.
In view of the serious overdue situation, no collection means can recover the arrears. The bank will hire a special collection company for collection.