Speaking of credit cards, I believe most people are familiar with them. After all, we are now in an information society, and the Internet is particularly developed.
advocates consumption in advance. Let’s not talk about whether this concept is right or wrong. Let’s talk about some of the things in it today.
There is a very common phenomenon nowadays, that is, there are many house slaves and card slaves.
It is estimated that many people will often see this sentence, if you don’t manage your finances, your finances will not care about you. This sentence is regarded as a classic by many people, so various investments emerge in endlessly, which confuses the eyes, confuses the mind, and loses oneself. .
When they are still stuck, many people resort to demolishing the east wall to make up for the west wall. In this way, they will only sink deeper and deeper, never being able to get ashore, and finally becoming refugees.
There are still some people who only pay the minimum amount. Little do they know, this is a trap. Once you agree to pay the minimum amount, it proves that there is a problem with your income, then the bank will note high risk on your name, and the interest on the minimum amount is very high, and there will be a reduction in the amount. risk.
Someone will definitely ask, what should I do?
Stop loss in time, stop loss in time, stop loss in time. Say important things three times.
If you are able to repay it now, you should first communicate with the bank and you can customize the installments and repay it in up to five years. But this communication also requires skills.
First of all, you must call 12378. This is the phone number of China Banking and Insurance Regulatory Commission . If you can’t get through, keep calling until you get through. After getting through to
, ask customer service for the green channel phone number of the credit card bank in your hand, and then use this phone number to communicate. It is best to get an interest-free account.
Others will be frequently collected. You can communicate with the bank about this. Collection belongs to a third party and is outsourced by the bank. You may even receive letters from lawyers, etc. Don’t be afraid, these are all third-party collection methods.
If someone says to contact family members or relatives and friends, this is an illegal operation and you can complain directly.
Because when you first applied for the card, you didn’t ask these relatives, friends or family members to sign and agree. This is a personal debt and no one else’s.
In addition, I also received some visits or visits to my work home. This is a normal investigation by bank staff, so don’t be afraid.
Another thing is that you will receive information that you are being sued. This is also from a third party. If the court files a lawsuit, it will not send you a notice, it will just be a summons. Don't be afraid if you do get sued. The bank just wants money, not your life. And this is civil, not criminal. If you negotiate carefully, no one will be arrested.
wants to know if he has been sued? You can check it by calling 12368.
If you want legal advice or assistance, you can call 12348. This is a free public welfare number.
This is a torturous process, and your psychological quality must be strong enough, otherwise you will be scared to death every day.
Of course, repaying debts is a matter of course. But there is a difference between this and Lao Lai. Lao Lai has money and refuses to pay it back. And our country now has regulations that say the right to survival is greater than the right to debt. Only by ensuring survival first can it be possible to pay back the money. There are still many
who are borrowing money from Huabei, who borrow or Jingdong gold bars, etc. They can only communicate with the platform customer service. You cannot call 12378 for consultation.
The above are compiled by me, I hope it can give you some help.
