- A man borrows 200,000 online, but has no money to return, will he go to jail? In recent years, with the advancement of society and the development of the economy, the network has gradually become popular. Although the popularity of the Internet has facilitated people's lives, it has also brought many harms. Just like a loan, the previous loan must go to the bank, and it must meet certain conditions...
- What happens if the credit card is overdue or owed? In recent years, cardholders have been quite charged by the bank because they did not repay their credit cards. So what happens if the credit card is not repaid? What are the consequences? Is it a crime? Dear friends, listen to Xiaobian slowly. What will the bank do if it is not overdue? silver...
- After borrowing 10,000 yuan, the amount owed after one year has become 20,000. Why is the online loan more and more? In real life, I believe that most people have experienced borrowing money. Some people have borrowed money from relatives and friends. Some people have applied for loans from banks. Some people have borrowed money from online lending platforms, regardless of borrowing money. Who is the object, we all know that under normal circumstances, borrowed...
- Haikou’s man’s account suddenly surpassed 500,000. Because of the wrong operation of a civil company staff, there was no more than 500,000 yuan in a man’s account in Xiuying District of Haikou. In the face of the recovery of the other side, the man ignored it. As a result, the other party reported to the court and the court ruled that the man returned 500,000 yuan and interest. The man still has to...
- Online loans are owed 100,000, and most of them are interest. Shouldn't it be? The state is increasingly strict with online lending, but there are still many unregulated online lending companies to collect money. Many old brothers can feel that the interest of the borrowed money is too high, but they don't know what to do. Today, Qian Xiaoge chose two cases to explain the solution to everyone. Case...
Credit card and online loan together owe 500,000, what happens when there is no money?
Credit card online loans owe more than 500,000 yuan, no overdue records, and now there is no money to pay the current five or sixty thousand bills, what should I do?
Escape is not a solution to the problem, but you are involved in two situations, one is a credit card and the other is online lending. The situation and treatment of the two are different.
According to the judicial interpretation of the credit card issued by the Supreme Law and the Supreme Inspection on December 1, 2018, the qualitative overdraft of credit cards was relaxed to a certain extent: first, the amount of filing was increased from 10,000 to 50,000; second, the subject matter of the litigation only contained this Gold, excluding interest, compound interest and other fees.
Therefore, if the amount owed by your credit card does not exceed 50,000 yuan, then your dispute with the bank is a civil dispute and will not involve the issue of imprisonment. Only your overdue records will be listed on the blacklist of credits forever. After 5 years of settlement of the arrears; and the amount of the arrears exceeds 50,000 yuan, it will meet the filing standards for criminal cases. Once the bank sues, you are in jail. Even if you run, there will be online wanted.
Banks will not be involved in huge profits, unless the non-performing loans are packaged as asset transfer packages and transferred to asset management companies. At this time, third-party asset management companies, not banks, are collected. This is one of the reasons why banks are sometimes misunderstood. However, the transfer process is generally as fast as one year (in the first half of the year, the general bank will collect the goods first, after all, the price of the package transfer is too low), and the slow is two or three years.
Therefore, in the short term, the credit card owing money has less impact. At most, it is included in the blacklist of credit information, and the credit card can be paid in installments. If there is sufficient capacity to repay after the installment, the installment can also be used.
At present, many of the loans on the Internet are not compliant (often all are usury loans). Many online loans are not even reported at all, but the impact of borrowing online loans is worse than that of bank credit cards. I have experienced the surrounding. A friend is involved in online lending. The general treatment method for online loan overdue is as follows: the first text message is sent to me for collection, and the second is sent to all address book friends if it is not handled by the group (that is, the so-called explosion address book, the better is only civilization Retrieve, almost all kinds of 谩骂); third, if it is still unresolved, it will be on the borrower’s unit or in the home, or even violent collection.
Therefore, the short-term impact of online lending is much higher than that of credit card debts. For online loans, you can negotiate and reduce some interest. At least 36% will not be paid. Of course, the lower the ratio, the better. The lending company confirms that you are unable to repay all the principal and interest, and some online lending companies will reduce the subsequent interest, only the principal (because the premise has already received enough). If you can't negotiate, you can appeal to the court. In this case, you can pay interest of up to 36% per annum, and then try to borrow money to return it. Otherwise, once you break the address book or make trouble with the unit, basically your personal credit will be no longer No more.
to sum up
I don't know why you will have more than 500,000 arrears? This amount is relatively large, which is more than the principal or interest? If it is more than the principal, then you want to change the method (selling a house to sell a car, borrowing all the friends) to return it. After all, you can return 50,000 to 60,000 in the previous period, which proves that you have certain strength; if interest is a big part, then Just sue, and only return interest within 36%.
Finally, let's say: Don't touch the online loan, ten touched 9.9!
[Exclusive Manuscript and Disclaimer] Any work, such as "360 Original", without the written authorization of 360, may not be reproduced, extracted or otherwise used by any unit, organization or individual. If you have been authorized in writing, please indicate the source of 360. Anyone who violates the above statement and infringes on the legal rights and interests of Rong 360 shall be investigated for legal responsibility according to law. The materials and conclusions in the works are for user's reference only and do not constitute operational recommendations. To obtain written authorization, please send an email to: email@example.com
- Comment list (user comments are only for users to express their personal views, does not mean that the site agrees with its views or confirms its description)
- I received a text message saying that I can borrow 75,000. Is it true?
- Demystifying the 9 provinces and cities
- Skills first, think twice before repaying
- exclusive! Full interpretation of the online loan solicitation draft
- 2014 Credit Report Online Enquiry
- Set of road loans, training loans, naked loans... Have you fallen through these pits?
- The loan was rejected? That's because you don't know this!
- Overdue for more than a year, now life...
- Don't blindly apply for online loans, and rationally understand online loans.
- Don't be old, no one has to collect money, or the consequences are too serious.
- Receive a subpoena from the court to go to jail? Hear what the lawyer said
- Overdue letters and troubles! Can you really afford these 11 costs?
- After gambling, I went to the shore and told you with my personal experience.
- 130,000, 13 online loans, took 730 days to finally come ashore!
- At the age of 24, the debt is 420,000. At the end of the year, how much do you owe?
- Borrowing money and stocks owing 380,000, only 5 months to successfully land, the door is at 4 o'clock!
- With a debt ratio of more than 50%, you can also borrow money!
- Credit letter online charge d'affaires 500,000 credit cards, cheated 60,000 yuan
- Money is very vulgar, no money is more common, today we talk about money together!
- Let us come to the credit card "lifetime" free of annual fee
- No money, no credit card? Jingdong White Bar will help you extend for 30 days!
- Credit card has no money to repay, what should I do?
- Men’s credit card arrears 900 yuan rose to 1 9 after 6 years
- The sad reminder of "Carnu": credit card arrears are best paid off once
- Malaysia Airlines lost contact: Who is still owed by the passenger credit card?
- What is the repayment order when the Construction Bank credit card repays the arrears?
- 2014, we have changed the five major habits of credit cards together.