Credit card arrears are civil disputes, and there is no fixed standard for the specific amount of arrears, as long as the bank is willing to sue you, even if you only owe 100 yuan, the court can file a case.

According to the conditions for filing a civil lawsuit, your credit card failure to repay has in fact constituted a breach of contract, so the bank can directly sue you to the court, as long as the bank pays a lawyer and pays a certain fee, the general court will file the case, so there is no fixed standard for how much money is overdue for a credit card to be filed.

Of course, no foolish bank will file a case because of thousands of dollars, and the cost spent is not enough for the principal.

Although there is no standard amount for filing a credit card overdue lawsuit, banks generally do not sue everyone to the court casually, especially for small amounts of overdue.

After all, the prosecution is not free, but a time-consuming and laborious thing, if you only owe 2,000 yuan, and then the bank will sue you to the court, in case the cardholder is still unable to repay the money, then the bank will have to pay for the lawyer's fees, litigation fees, etc., these costs are less than a few thousand yuan, how big it is tens of thousands of yuan, and the money is more than the cardholder owes 2,000 yuan.

If the cardholder is really unable to repay the money after the lawsuit, the bank's losses will be further expanded. So under normal circumstances, if the overdue amount is not very large, the bank will not sue you to the court.

Under normal circumstances, the bank will consider suing the credit card holder if the credit card owes more than 50,000 yuan.

Under normal circumstances, if the overdue time is not very long, such as less than 3 months, then even if the overdue amount exceeds 50,000 yuan, the bank will not sue immediately. However, if the overdue amount is more than 50,000 yuan, and the overdue time is more than 6 months, it will be a bit troublesome.

The standard for filing a criminal case for overdue credit card is more than 50,000 yuan, of course, credit card prosecution is a civil dispute, and under normal circumstances, it will not involve criminal law, and imprisonment is a punishment of criminal law. That is to say, if the credit card is overdue, it is prosecuted by the bank and sentenced to prison, which means that everyone has constituted illegal and criminal activities, and the most typical criminal activity of this kind is the crime of credit card fraud.

He Zilong calculated his credit cards, adding them together, it is estimated that they are millions. Especially that Centurion!

If the bank changes its mind and does it, it hasn't paid back a penny for more than a year, and something will definitely happen to another person.

After thinking about this, He Zilong quietly called Wang Chaofeng and explained the situation.

"Oh, that's it, master, you wait, it'll take about a few hours......" Wang Chaofeng laughed when he heard it, replied on the phone, and then hung up the phone.

Then, an hour or two later.

He Zilong's mobile phone came with N new text messages!

"Your credit card with the tail number xxxx was mistakenly sealed due to xxxx reasons, and has been re-opened and activated by the credit card center of our bank!"

"Dear customer, there is an abnormality in your credit card and personal credit status recently, but the situation is special, our bank will cancel the measures such as reducing the limit and deactivating the card, reminding you to cherish your credit history and repay on time. Your bank card has been restored to normal use, thank you. ”

"This month's XX credit card bill has been issued, check the bill can also do installments, please go to the bank branch for details. If you are stressed to repay the loan, you can apply for installment repayment with a maximum repayment period of 60 months, and the standard interest rate is -50%. ”

He Zilong: "......"

This wave of operations is really 6 6 6 6!

He Zilong finally saw the energy of the so-called relevant departments, and a few phone calls went down, an hour or two later. More than a dozen banks have changed their faces, roller coasters. What risk customers, immediately apply for the whitelist. Back to normal!

The normal installment of the credit card can only be two years, and if he is given a five-year installment, the interest rate will be halved. It's almost a loan!

You can do it!

"Master, this will be satisfied......" Wang Chaofeng called.

"You guys are really good, satisfied, but my credit must still be black, even if the credit card returns to normal, it's always not perfect......" He Zilong instinctively complained back.

The credit blacklist usually refers to a common term used by external media or cardholders to describe "an individual's credit card or loan has a record of serious overdue repayment" in daily life, and also refers to the "list of judgment defaulters".

Many banks attach great importance to the personal credit history of the borrower, and if the borrower is blacklisted by the bank because of bad credit, then it is basically useless to apply for a loan from the bank again in a short time.

"Don't worry, master, if you want a loan, we can let the bank directly ignore your credit and take a special channel. Of course, you have to feel uncomfortable, don't worry, next month, we will clear your conquest record and turn it into no black record......" On the other side of the phone, Wang Chaofeng said amazingly.

"That's okay, that's okay, I'm fine, by the way, explain to me about the magic capital factory on my side......" He Zilong stretched out his thumb, and he didn't care if Wang Chaofeng on the other side of the phone could see it.

"Well, I can't explain this sentence or two, I'll send you a fax later......" Wang Chaofeng replied.

"Good ......"

Theoretically, no one can modify the credit record, but I didn't expect that the so-called can't be modified is just a lack of authority. And in the eyes of those with enough authority, the so-called credit investigation is a joke!

Soon, after reading the external investigation and faxed information, He Zilong generally understood the matter here.

"It seems that there is not much of a problem, and there are certainly some special arrangements made by the city government for the sake of social stability and his disappearance, and even prepared for both. But since his recent return, people from the relevant departments have intervened. And a certain hint was given, so a considerable part of the autonomy returned to Feng Ziqiang and other professional managers...... It seems that I am too careful!" Closing the information, He Zilong calmed down.

Regardless of whether He Zilong agrees with it or not, as one of the members of the red-top businessman, there are some things that are difficult to do in the eyes of ordinary people, and some troubles that are difficult to solve. It's going to be easy to solve!

It's like what the king of XX movie said, sometimes the biggest XX boss is actually that, hehe. As long as the advantages outweigh the disadvantages, the regulation and control of the situation and policies can be discussed at any time.

The matter in front of him is not a big problem, and He Zilong is in the mood of playing around here again.

Then I took a taxi and returned to my temporary accommodation. Beginning to prepare for the exam in the near future, it sounds a little funny, obviously what he has done and achievements have long been higher than most people in society, but in terms of age, certificates, and in the face of parents, relatives and friends who don't know in the future, He Zilong also had to run to review and take the exam like a normal student.

However, unlike those normal students, He Zilong at this time estimated that there was no pressure on the exam.

It's not that you have 100% confidence in your knowledge and ability, but whether your grades are good or not, just to give yourself an explanation for your heart and your parents, but it doesn't have a big impact on your future life.

Others go to college and high school, that is the only way for human nature, and we must deal with it seriously. For He Zilong, I am afraid that in the future, it will only be regarded as an experience in life, and the fun component will be higher.

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