Overdue for 3 years, China CITIC Bank asked me to repay 30,000 yuan? 5

Don't think about going to court, when you get to court, you're even worse. Not to mention that repayment may not be reduced, the cost of litigation is enough for you to drink a pot, and in a situation like you, it is almost impossible to win the bank. And you are using a credit card, China's law is very strict on credit card protection, I still advise you to repay the money as soon as possible, don't let the bank sue you for credit card fraud for this money, then it is not a problem that money can solve.

That's a criminal offense, and you can go to jail. And the stain will follow you for the rest of your life.

If you can provide evidence of your explanation to the bank, it is estimated that the lawsuit will be much less. Still, you'll have to pay back a lot of money in general. Whoever told you to get a credit card overdraft, it doesn't matter.

It is impossible to repay only the principal, and you are responsible for your own actions. If everyone were like you, the bank wouldn't have gone bankrupt long ago.

There is no other way, you signed the terms when you applied for the card, and the interest on it was also clearly written, as for the loss or something, the fault is yours, and you have no reason not to pay it back.

If you don't pay it back now, it will rise again in a few days, and credit cards are profitable, and there are many people who are forced to die by credit cards abroad.

The credit card itself is a rolling compound interest, and you yourself did not repay the loan because of the arrears, resulting in a rolling interest of 30,000 yuan, which is what you must have, and there is no way.

Kneeling and begging? There is only one way to beg on your stomach. Brother, hurry up and pay back the money, sign the contract and say that the charges are unreasonable? It's so hilarious... I tell you the truth, sympathize with what you are going through and show contempt for your thoughts.

Summary. Kiss. Hello, happy to answer this question for you. The card of China CITIC Bank 2000 is overdue for three years, and this will have to be repaid by 13,000 to 15,000 yuan.

Pro-Zen Ming. Hello, I am very happy to answer this question for you. China CITIC Bank 2000's card package is overdue for three years, and this one has to be repaid 13,000 to 15,000 yuan.

Because if you borrow money from CITIC Bank, then your 2,000 yuan card has been overdue for three years. If you calculate this, the penalty interest and late fees are already high. Coupled with the interest you originally had to repay and the principal and macro core of this arrears, this is pure and will have to repay 13,000 yuan to 15,000 yuan in three years.

But this money to be repaid, this 13,000 yuan to 15,000 yuan is only a valuation range. The money to be repaid for three years in the Guma Orange Body Blind Cultivation Group still has to come according to the bank's regulations.

Because of the penalty interest and late fees, this is stipulated by the bank, and the money will be repaid in three years, and when you apply for pure liquid repayment with the bank, the bank will calculate the total amount you need to repay in three years.

Then the bank will tell you the total amount that needs to be repaid in three years, and then you can repay the loan according to the repayment amount provided by the bank, and then you can pay off the arrears.

After paying it off, your credit will return to normal after five years, and then you can take out a normal loan.

My ICBC credit card is more than 2,000 overdue for 3 years, how much should I repay.

If your credit card of the Industrial and Commercial Bank of China is more than 2,000 yuan, and then it has not been overdue for three years, you should repay 13,000 yuan to 15,000 yuan.

So much. Once you're overdue, this one is particularly high.

If it's not **, if you really owe money, you have to pay it back sooner or later, what do you say, and now the country is rectifying this, people have money and the right to get it to death, be careful.

It is only natural to repay debts.

Hurry up and pay back the money, or the house.

and so on may have to be auctioned.

1. If it is only temporarily repaid, and it can be paid off later, it will only incur interest and late fees.

2. However, if the principal overdraft exceeds 10,000 yuan or more, and the bank still fails to repay the loan, it may be subject to criminal punishment. The legal basis is as follows:

According to the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases of Obstructing Credit Card Management (Fa Shi 2009 No. 19):

Article 6: Where a cardholder, for the purpose of illegal possession, exceeds the prescribed limit or the prescribed time limit, and fails to return it for more than 3 months after being collected twice by the card-issuing bank, it shall be found to be a "malicious overdraft" as provided for in Article 196 of the Criminal Law. Where malicious overdrafts are between 10,000 and 100,000 RMB, it shall be found to be a "relatively large amount" as provided for in Criminal Law article 196; where the amount is between 100,000 and 1,000,000 RMB, it shall be found to be a "huge amount" as provided for in Criminal Law article 196; Where the amount is 1,000,000 RMB or more, it shall be found to be "especially huge amounts" as provided for in Criminal Law article 196.

The amount of malicious overdraft refers to the amount that the cardholder refuses to return or the amount that has not yet been returned under the conditions specified in the first paragraph. It does not include compound interest, late fees, handling fees and other charges charged by the issuing bank.

3. 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.

Hurry up and pay it back, it's good to pay it back early, even if you borrow friends and family. Otherwise, the bank will get you in trouble! It is not even ruled out that the bank will sue you through legal channels.

You are really a talent, I admire it very much! But I suggest you pay it back quickly, it's best to pay it all at once, otherwise you'll be finished, hehe!

Summary. If you want to pay off at once, you can directly make a one-time repayment at CITIC Bank, and then it will appear a one-time repayment bill, and then you can repay it directly in the bill.

The CITIC Bank loan of 30,000 has been repaid more than 20,000 in the past three years, and there are many minimum repayments.

If you want to pay it off at once, you can directly apply for a one-time repayment in CITIC Bank, and propose a one-time repayment of Zhichanqin, and then it will appear a one-time repayment bill, and then you can repay it directly in the bill.

There is another way, that is, you can directly handle it at the counter of CITIC Bank and repay the loan in advance, but if you say that the chain code does not exceed this time, it is generally more than one year and will not charge liquidated damages.

I was doing this for three years.

Yes. At the beginning, it was seven or eight months back.

There is a penalty for early repayment.

In the end, the repayment was the minimum and low repayment, and I repaid 5,000 once and 2,000 this summer.

If this is the case, then you are overdue, and you can ask the bank for a lump sum payment.

But I have almost repaid more than 20,000 yuan in the past three years, and now I need to pay it off at once, and I need to pay back nearly 30,000 yuan.

Because you yourself have a default, and if you have a default, it's different.

However, you can negotiate to repay your own previous principal and negotiate or reduce your own liquidated damages.

Negotiated only gave less than a thousand reductions.

You can go to complain.

If you complain, you can get a lot of relief.