If you owe China Merchants Bank 7,000 for four months, you won t be arrested

Hello, if you do not pay the minimum payment of the bill in time before the due date, late fees and interest will be charged, and your personal credit will be affected. Late fees are charged at 5% of the outstanding portion of the minimum payment, with a minimum charge of RMB10 or USD1. Interest is that all purchases in the current period will be charged from the account date (usually the day after consumption) at the rate of 5/10,000 per day until you pay off in full.

In order to avoid affecting your personal credit, it is recommended that you repay the loan on time, and if it is not convenient to pay off the bill in full, please pay off at least the minimum payment on time.

Article 196 of the Criminal Law of the People's Republic of China: In any of the following circumstances, where credit card fraud is carried out, and the amount is relatively large, a sentence of up to five years imprisonment or short-term detention is to be given, and a concurrent fine of between 20,000 and 200,000 RMB is to be given; where the amount is huge or there are other serious circumstances, a sentence of between 5 and 10 years imprisonment and a concurrent fine of between 50,000 and 500,000 RMB is to be given; where the amount is especially huge or there are other especially serious circumstances, a sentence of 10 or more years imprisonment or indefinite imprisonment is to be given, and a concurrent fine of between 50,000 and 500,000 RMB or confiscation of property is to be given

1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

2) Using invalid credit cards;

3) Fraudulently using another person's credit card;

4) Malicious overdraft.

"Malicious overdraft" as used in the preceding paragraph refers to the conduct of a cardholder who overdraws beyond the prescribed limit or within the prescribed time limit for the purpose of illegal possession, and does not return it after being collected by the card-issuing bank.

Those who steal credit cards and use them are to be convicted and punished in accordance with the provisions of article 264 of this Law.

Not for the time being, but a lawyer's letter will be sent to you.

Credit card overdue consequences are:

1. The bank credit card bank center will charge late fees and interest:

1. The late payment fee is calculated at 5% of the unpaid part of the minimum repayment, and the minimum charge is 10 yuan or 1 US dollar.

2. At the same time, the bank will also charge 5/10,000 of the daily interest on the entire bill.

2. Impact on credit:

1. If it is overdue within one month, it will be considered overdue once, as long as it is overdue, even once, it is more difficult to increase the quota;

2. If you are overdue for 3 consecutive times or 6 times in total, you will have a bad credit record, and it will be difficult to get a loan or a credit card in the future;

3. If the overdue amount exceeds a certain amount and time, the bank will freeze the credit card.

Overdue not only has a 5% late fee for the minimum unpaid part, and a penalty interest on the full amount of the bill (5/10,000 per day interest, interest will be calculated from the day of consumption, and the interest will be compounded on a monthly basis until the principal and interest are paid off), but also a bad credit record will be generated in the credit information center of the People's Bank of China, and it will be difficult to apply for credit cards and bank loans within 5 years. If you are overdue for more than three months or the bank has not repaid the loan after more than two reminders, the bank will freeze your card and list you as a prohibited customer (blacklist), and will also prosecute you for credit card fraud and malicious overdraft;

It is recommended that you borrow money to repay the loan quickly, it is unrealistic to repay little by little, and the bank will not agree! If the third-party debt collection company entrusted by the bank fails to collect the money, the bank can only sue!

You can coordinate with the bank to repay the loan in installments (or the minimum repayment), which must be repaid in a timely manner on a monthly basis, if you don't pay it back, you won't go to your house, but there will be a summons (reminder note), persuading you to pay it back (no matter what), the bank is ruthless, and it will not produce high late fees and interest.

Not at the moment, but if you keep defaulting and don't pay it back, it's hard to say, and besides, your overdue interest and late fees are not a small amount, and if you continue to owe more and more, you may have to be sued for malicious overdraft credit card fraud at that time.

No, if the amount owed is too large, the bank will send you a text message or a smart ** reminder on a regular basis. If you haven't paid it back for a long time, it will affect your credit. In the future, it will be difficult to apply for a credit card, and you will not be able to apply for a mortgage.

In addition, the bank will not file a case because the amount is not large, because the process is more cumbersome and troublesome.

Look at what scares you! 3000 just scares you! Tens of thousands or hundreds of thousands of people have not seen such cowardice as you.

Haha, you can try it.

In fact, it mainly depends on how much you can roll out, and when you reach a certain amount, the bank will sue you in batches.

Three thousand will not file a case for investigation, it will drag on for a long time, but it is true to sue you.

I'm going to go to jail. This is a credit card fraud crime.

Summary. Hello, I am a cooperative lawyer of LegalPro platform, and I am happy to serve you.

I owe China Merchants Bank 50,000 yuan and repay 10,000 yuan, and it has been overdue for eight months, and I have to repay a little bit every month to the best of my ability, will I still be arrested?

Hello, I am a cooperative lawyer of LegalPro platform, and I am happy to serve you.

Hello, I am a cooperative lawyer of LegalPro platform, and I am happy to serve you.

Hello, I owe China Merchants Bank 10,000 yuan credit card, and then China Merchants Bank has a loan of 30,000 yuan, which has been overdue for more than two years, I paid back this 10,000 today, and he asked me to pay back the remaining 37,000 tomorrow, but I really can't repay it all at once, will I go to jail.

I negotiate with them in installments, they don't negotiate with me.

Arrears are generally not.

And you have no malicious intent not to return it.

They said they would send an indictment for court judgment.

Then I really can't repay the remaining 37,000 at once.

You're not going to jail.

Property may be seized.

Can you negotiate it for you, I can pay for it.

On our side, it is only a written consultation, if you are involved in the negotiations.

There is an additional fee.

Yes, how can I contact you and help negotiate.

You can leave yours for a while, I'll add it later.

Definitely won't be jailed.

You start by repaying it the minimum amount each month.

Then you can pay back more, and those who pay back more money will be able to pay more.

It's not scary to join the blacklist.

The scary thing is that if you don't pay it back, their interest will roll over.

It's just a little less than the loan of the high-interest shouzi.

Be sure not to dodge, or the bank will think that you are maliciously defaulting. Even if the full amount cannot be repaid, the overdraft principal and interest exceed 1,000 yuan;

b. Grasp the deposit and other property information of the arrears customers.

In this case, the bank will not file a lawsuit.

4.Once you have a bad personal credit, there are many aspects that can affect you, including personal loans and applying for credit cards from other banks.

Bad records cannot be reversed after the arrears have been settled. According to the banking procedure, a lawsuit can be filed in court for the following situations in which the credit card debt is owed:

a. Collection by other collection methods is invalid. Attitude is important1It's not that if you don't pay it back, you will be blacklisted. First of all, the banker should not say such an unprofessional term as blacklist, and secondly, even if you are overdue for one day, it is recorded in the personal limb ode letter system.

2. There is no need to report at all, and it is necessary to participate in the collection.

You should take the initiative to find the card issuer in the local card department or card center to explain the actual situation, and try to repay part of the history to show the sincerity of being willing to repay, which needs to be frozen and judged by the court;

c. Sued by the same industry for non-payment of arrears.