最后的修笔人

信用卡逾期之后，收取每日万3到万5的日息，一般银行收取上限万5，每个账单日都会收取最低还款的5个点的违约金，备用金分期通常没有最低还款，就是全额分期额度，综合费用加起来最高可达年化利率80%（不允许反驳！本人目前就是这种情况）。解决方法，1跟银行打电话协商，只还本金，不还其他费用，但是要有钱还才行。2申请分期，每天打电话要求，是每天打。3去开一个收入困难证明，降低还款额度，减免利息。这是银行出的主意。4如果全部已经还完了，找专业的人帮你把罚息追回来，自己追也可以试试，打客服，每天打，态度要强硬，已有很多人成功。5还进一部分本金去，每月还一点，有还款意愿。降低本金额度，5万以上和5万以下区别很大，5万以上可以走刑事，所以要把本金控制在5万以下

白鼻子的黑猫

注意一下几点即可

不要相信网上一些传言说要判刑的还要坐牢的不要相信，这些人有点夸大了而且还颠倒是非；

①信用卡额度是否超过5万，还是包括里面贷款，如果不包括里面的贷款就算银行起诉也不能判刑，更加不会有刑事责任，这个五万单单指信用卡额度不包括利息，违约金，滞纳金，分期手续费等费用

②如果信用卡额度超过5万那么银行会在你当地人民法院起诉，起诉不会是信用卡诈骗，恶意欠款，等名义起诉。（如果办卡下来一次都没有还款，单位地址虚假，身份证虚假，等这个属于信用卡诈骗，如果以上几条全部都是虚假的才能够到信用卡诈骗，）银行起诉起诉持卡人都是用信用卡纠纷理由起诉，信用卡纠纷属于民事纠纷不属于犯罪，所以不会判刑你大可放心。

③如果银行起诉你一定要到场，如果不到场法院会直接宣判银行胜诉，你必须在规定的时间里面还款，一般是7-15个工作日，你个你没有还款银行要求法院强制执行（强制执行一般银行提出申请到执行要2个月左右），如果强制执行你依然没有钱还，那么就会冻结你的财产，如果名下没有可执行的财产法院可能不会执行，银行要求必须执行这个时候你就冻结你的银行账号，微信，支付宝等。这个时候才真正的属于失信被执行人，也就是很多人眼里黑名单

④如果你到场法院不会直接开庭，因为银行一般都是同一个地方批量起诉，不会因为你一个人起诉到法院，开庭之前会有银行工作人员与你协商，（协商包括，减免违约金，减免滞纳金，利息不会减免但是不会超过年华24%的利息，这个但是持卡人提出的要求，看看银行给不给这个政策，一般都是给予这个优惠政策），协商有三个结果1，约定一个时间只能一次性结清，2，约定一个还款周期每个月还多少钱，3，协商不成然后开庭。

④如果你有条件现在联系招商银行客服，表明自己的还款情况，有意愿还款但是现在没有办法一次性结清，能不能分期还款，客服给你登记，你等办卡城市的当地招商银行给你打电话，让你去协商即可，{如果你不在那个城市了，告诉客服现在的居住城市即可}

希望我的回答能帮助你！

跃文说金融

恶意透支信用卡会被认定信用卡诈骗罪，一旦银行起诉麻烦就来了。根据2018年12月1日的信用卡诈骗罪解释，如果信用卡欠款高于5万元的持卡人一旦认定为恶意透支，就会被判刑，你目前这种情况，逾期一年多了，滞纳金和罚息都很高，肯定要还，否则问题比较严重。

第一、防止银行起诉。

如果持卡人信用卡逾期超过90天，银行可以对持卡人进行起诉，在这之前都是电话催收，一旦银行起诉，法院就会在一周内决定是否受理，然后将会传唤持卡人进行民事裁决，如果法院判定后偿还了，还是要偿还各种高额费用，不打算偿还，就涉嫌信用卡诈骗罪了，到时候可以被判刑。

最好就是想办法还了这笔资金，避免催收升级。

第二、和银行协商。

如果银行可以协商，一般只要银行同意后就可以进行减免，这样可以一次性还清，毕竟这种罚息和滞纳金很高，你是有意全部还清，但是因为前期可能存在困难逾期了，如果一次性还清，给予多少减免，看银行如何回答。但若银行不同意，长期逾期肯定不是办法，越欠越多，后期还是要偿还。

综上所述：

最好尽快处理了信用卡逾期问题，必要时候可以和银行协商，看银行方面的态度，但是无论如何，这笔资金还是想办法偿还，毕竟银行有权利起诉，一旦起诉事态升级，最终都是要偿还，反而得不偿失。

股海重生2015

可以协商停止计算利息。再翻就是高利贷，是不合法的。你要相信法院的判决，让他去起诉去。相信法院公平公正，合理的判决。我有个银行额度15000，欠款11000，给我算到24360，后来由他去威胁。我还是天天坐高铁呢，前几天跟我说还本金就行了。银行的目的是收到钱。不是狮子大开口。太多了无法还清。还有个银行更好。叫我什么时候有钱，什么时候还。利息不再计算。那我当然先还那个银行的。不要恶意去欠款。找份工作，每个月都要还点。留点生活费。不还这是不好的。多多少少都要还点进去。量力而行，以后有多大能力做多大事。

悦农部落云南特产

利息滞纳金事小，关键是小心你的征信受影响，一年多了，你肯定被拉为黑户了。买房子都麻烦，不给你贷款，我就吃过这个亏，当时就几百块钱忘记还了，又没有银行催促，所以就这样滚了一年多，利息滞纳金交的更多，关键是买房子受到影响，办手续处处被卡，最后花钱消灾。在这里普及一下信用卡不及时还款都危害：

The key is to be careful that your credit investigation is affected. After more than a year, you must have been pulled into the black market. It's troublesome to buy a house. If I don't give you a loan, I've suffered from this loss. At that time, I forgot to pay back hundreds of yuan and didn't have the bank to urge me to do so. So I've been rolling for more than a year, paying more late fees for interest. The key is that buying a house is affected, procedures are stuck everywhere, and finally money is spent to eliminate the disaster. It's harmful to popularize the following credit card not to repay in time:

信用卡不还的后果

Consequences of credit card failure

1、产生高额利息。信用卡如果超过还款日还没有还款，银行会计算利息，并且按月计算罚息，如果逾期了，还有违约金;

1. Generate high interest. If the credit card has not been repaid beyond the repayment date, the bank will calculate the interest, and calculate the default interest on a monthly basis. If it is overdue, there will be liquidated damages;

2、影响信用。信用卡逾期后，银行会上报征信系统，以后会影响你办信用卡和贷款;

2. Affect credit. When the credit card is overdue, the bank will report to the credit system, which will affect your credit card and loan in the future;

3、被起诉。如果逾期时间超过3个月，持卡人就可能被银行起诉到法院;

3. Be prosecuted. If the overdue time is more than 3 months, the cardholder may be sued by the bank to the court;

4、被列入失信人名单。如果法院判决后持卡人还不还款，就会被列入失信人名单，以后禁止高消费。

4. Be put on the dishonest list. If the cardholder fails to repay after the court's decision, it will be included in the list of dishonest people, and high consumption will be prohibited in the future.

个人建议你找个亲戚朋友的一人借个两三万先把银行的还掉吧，亲戚不收利息，而且自己会逼着自己还钱，欠银行的总觉得可以拖，大不了不在乎征信，人在没钱的时候可烦不烦自己征信问题，只要让你活着就行。

I suggest you find a relative and friend to borrow a twenty or thirty thousand yuan to return the bank first. Relatives don't charge interest, and they will force themselves to pay back the money. Those who owe to the bank always feel that they can delay. They don't care about credit investigation. When they don't have money, they don't bother themselves with credit investigation. Just let you live.

5万块钱毕竟不是太多，分2-3年还，只要你有个正常的普通工作，一定能够还得上。

50000 yuan is not too much after all. It will be paid in 2-3 years. As long as you have a normal job, you will be able to pay it back.

信用卡欠款5万，逾期已经有1年多了，目前想要还钱，但是不想支付25%的利息的滞纳金，但是逾期的利息和滞纳金肯定是银行有明确规定的，想说自己不了解这些规则而逃避这笔钱是不现实的，唯一的办法是找银行去谈，和银行重新签订还款协议，重点如下。

The credit card has a debt of 50000 yuan, which has been overdue for more than one year. At present, I want to pay back the money, but I don't want to pay the overdue fine of 25% interest. But the overdue interest and overdue fine must be clearly stipulated by the bank. It's unrealistic to say that I don't understand these rules and escape the money. The only way is to talk with the bank and sign a repayment agreement with the bank again. The key points are as follows.

第一，说明逾期原因、表示愿意还款

First, explain the reason for overdue payment and express willingness to repay

联系银行之后首先对自己的逾期原因要做出解释，千万不能让银行判定为恶意透支，只要主动联系银行并且表示愿意还款，银行一般就不会将持卡人定性为恶意透支，除非在此之前你已经得罪银行了。

After contacting the bank, first of all, you should explain your overdue reasons. Never let the bank judge it as a malicious overdraft. As long as you actively contact the bank and express your willingness to repay, the bank will not generally define the cardholder as a malicious overdraft, unless you have offended the bank before.

第二，协商还款方式与利息等

Second, negotiate repayment method and interest, etc

还款期限、还款方式、还款日期都是可以协商的，银行的目的就是为了拿回钱，只要愿意还其余都可以商量，但是还款期限最长不能超过5年，而且银行一般不会同题免除之前的利息以及滞纳金，但是有可能将之后的利息免除，当然这得根据持卡人的实际情况。

The repayment term, repayment method and repayment date can be negotiated. The purpose of the bank is to get back the money. As long as it is willing to pay back the rest, it can be negotiated. However, the repayment term cannot exceed 5 years at most. In general, the bank will not exempt the interest and overdue fine before the same topic, but it is possible to exempt the later interest. Of course, it depends on the actual situation of the cardholder.

第三，保留协商证据

Third, retain evidence of consultation

这里说这些可能有点“以小人之心，度君子之腹”了，但是真的很重要，要是单面签的合同还好说，能够拿到合同书，如果是电话协商的，那到时候就没有那么好说话了，所以录音什么的最好是保留一下

It may be a little "to treat the heart of a gentleman with the heart of a villain" here, but it's really important. If the contract signed on one side is easy to say, you can get the contract, if it's negotiated by phone, then it won't be so easy to talk, so it's better to keep the recording

信用卡逾期之后，收取每日万3到万5的日息，一般银行收取上限万5，每个账单日都会收取最低还款的5个点的违约金，备用金分期通常没有最低还款，就是全额分期额度，综合费用加起来最高可达年化利率80%（不允许反驳！本人目前就是这种情况）。解决方法，1跟银行打电话协商，只还本金，不还其他费用，但是要有钱还才行。2申请分期，每天打电话要求，是每天打。3去开一个收入困难证明，降低还款额度，减免利息。这是银行出的主意。4如果全部已经还完了，找专业的人帮你把罚息追回来，自己追也可以试试，打客服，每天打，态度要强硬，已有很多人成功。5还进一部分本金去，每月还一点，有还款意愿。降低本金额度，5万以上和5万以下区别很大，5万以上可以走刑事，所以要把本金控制在5万以下

After the credit card is overdue, the daily interest of RMB 3000-rmb 15000 will be charged, and the upper limit of RMB 15000 will be charged by the general bank, and the liquidated damages of 5 points of the minimum repayment will be charged on each billing day. Generally, there is no minimum repayment in the installment of the petty cash, that is, the full installment amount, and the combined expenses can reach the maximum annual interest rate of 80% (no refutation is allowed)! I am in this situation at present). The solution: 1. Call the bank and negotiate. Only repay the principal, no other fees, but only with money. 2 to apply for staging, call every day, call every day. To open a proof of income difficulties, reduce the amount of repayment and reduce interest. This is the idea of the bank. If it's all over, find a professional person to help you recover the penalty interest. You can also try to do it yourself. Call customer service, fight every day, and have a tough attitude. Many people have succeeded. Pay back part of the principal, pay back a little every month, and have the willingness to repay. Reduce the amount of principal. There is a big difference between more than 50000 yuan and less than 50000 yuan. More than 50000 yuan can be used in criminal cases, so the principal should be controlled below 50000 yuan

用户452654518504461

利息滞纳金事小，关键是小心你的征信受影响，一年多了，你肯定被拉为黑户了。买房子都麻烦，不给你贷款，我就吃过这个亏，当时就几百块钱忘记还了，又没有银行催促，所以就这样滚了一年多，利息滞纳金交的更多，关键是买房子受到影响，办手续处处被卡，最后花钱消灾。在这里普及一下信用卡不及时还款都危害：

信用卡不还的后果

1、产生高额利息。信用卡如果超过还款日还没有还款，银行会计算利息，并且按月计算罚息，如果逾期了，还有违约金; 　　

2、影响信用。信用卡逾期后，银行会上报征信系统，以后会影响你办信用卡和贷款; 　　

3、被起诉。如果逾期时间超过3个月，持卡人就可能被银行起诉到法院; 　　

4、被列入失信人名单。如果法院判决后持卡人还不还款，就会被列入失信人名单，以后禁止高消费。

个人建议你找个亲戚朋友的一人借个两三万先把银行的还掉吧，亲戚不收利息，而且自己会逼着自己还钱，欠银行的总觉得可以拖，大不了不在乎征信，人在没钱的时候可烦不烦自己征信问题，只要让你活着就行。

5万块钱毕竟不是太多，分2-3年还，只要你有个正常的普通工作，一定能够还得上。

信用卡欠款5万，逾期已经有1年多了，目前想要还钱，但是不想支付25%的利息的滞纳金，但是逾期的利息和滞纳金肯定是银行有明确规定的，想说自己不了解这些规则而逃避这笔钱是不现实的，唯一的办法是找银行去谈，和银行重新签订还款协议，重点如下。

第一，说明逾期原因、表示愿意还款

联系银行之后首先对自己的逾期原因要做出解释，千万不能让银行判定为恶意透支，只要主动联系银行并且表示愿意还款，银行一般就不会将持卡人定性为恶意透支，除非在此之前你已经得罪银行了。

第二，协商还款方式与利息等

还款期限、还款方式、还款日期都是可以协商的，银行的目的就是为了拿回钱，只要愿意还其余都可以商量，但是还款期限最长不能超过5年，而且银行一般不会同题免除之前的利息以及滞纳金，但是有可能将之后的利息免除，当然这得根据持卡人的实际情况。

第三，保留协商证据

这里说这些可能有点“以小人之心，度君子之腹”了，但是真的很重要，要是单面签的合同还好说，能够拿到合同书，如果是电话协商的，那到时候就没有那么好说话了，所以录音什么的最好是保留一下

信用卡逾期之后，收取每日万3到万5的日息，一般银行收取上限万5，每个账单日都会收取最低还款的5个点的违约金，备用金分期通常没有最低还款，就是全额分期额度，综合费用加起来最高可达年化利率80%（不允许反驳！本人目前就是这种情况）。解决方法，1跟银行打电话协商，只还本金，不还其他费用，但是要有钱还才行。2申请分期，每天打电话要求，是每天打。3去开一个收入困难证明，降低还款额度，减免利息。这是银行出的主意。4如果全部已经还完了，找专业的人帮你把罚息追回来，自己追也可以试试，打客服，每天打，态度要强硬，已有很多人成功。5还进一部分本金去，每月还一点，有还款意愿。降低本金额度，5万以上和5万以下区别很大，5万以上可以走刑事，所以要把本金控制在5万以下

我的大律

开心大乐趣

利息滞纳金事小，关键是小心你的征信受影响，一年多了，你肯定被拉为黑户了。买房子都麻烦，不给你贷款，我就吃过这个亏，当时就几百块钱忘记还了，又没有银行催促，所以就这样滚了一年多，利息滞纳金交的更多，关键是买房子受到影响，办手续处处被卡，最后花钱消灾。在这里普及一下信用卡不及时还款都危害：

信用卡不还的后果

1、产生高额利息。信用卡如果超过还款日还没有还款，银行会计算利息，并且按月计算罚息，如果逾期了，还有违约金; 　　

2、影响信用。信用卡逾期后，银行会上报征信系统，以后会影响你办信用卡和贷款; 　　

3、被起诉。如果逾期时间超过3个月，持卡人就可能被银行起诉到法院; 　　

4、被列入失信人名单。如果法院判决后持卡人还不还款，就会被列入失信人名单，以后禁止高消费。

个人建议你找个亲戚朋友的一人借个两三万先把银行的还掉吧，亲戚不收利息，而且自己会逼着自己还钱，欠银行的总觉得可以拖，大不了不在乎征信，人在没钱的时候可烦不烦自己征信问题，只要让你活着就行。

5万块钱毕竟不是太多，分2-3年还，只要你有个正常的普通工作，一定能够还得上。

闪亮金星

我09年交通银行信用卡5万的，当年还了，4万3，到了今年，19年，利息滞纳金成12万了，怎么还，太可怕了

想刮风

利息滞纳金事小，关键是小心你的征信受影响，一年多了，你肯定被拉为黑户了。买房子都麻烦，不给你贷款，我就吃过这个亏，当时就几百块钱忘记还了，又没有银行催促，所以就这样滚了一年多，利息滞纳金交的更多，关键是买房子受到影响，办手续处处被卡，最后花钱消灾。在这里普及一下信用卡不及时还款都危害：

The key is to be careful that your credit investigation is affected. After more than a year, you must have been pulled into the black market. It's troublesome to buy a house. If I don't give you a loan, I've suffered from this loss. At that time, I forgot to pay back hundreds of yuan and didn't have the bank to urge me to do so. So I've been rolling for more than a year, paying more late fees for interest. The key is that buying a house is affected, procedures are stuck everywhere, and finally money is spent to eliminate the disaster. It's harmful to popularize the following credit card not to repay in time:

信用卡不还的后果

Consequences of credit card failure

1、产生高额利息。信用卡如果超过还款日还没有还款，银行会计算利息，并且按月计算罚息，如果逾期了，还有违约金;

1. Generate high interest. If the credit card has not been repaid beyond the repayment date, the bank will calculate the interest, and calculate the default interest on a monthly basis. If it is overdue, there will be liquidated damages;

2、影响信用。信用卡逾期后，银行会上报征信系统，以后会影响你办信用卡和贷款;

2. Affect credit. When the credit card is overdue, the bank will report to the credit system, which will affect your credit card and loan in the future;

3、被起诉。如果逾期时间超过3个月，持卡人就可能被银行起诉到法院;

3. Be prosecuted. If the overdue time is more than 3 months, the cardholder may be sued by the bank to the court;

4、被列入失信人名单。如果法院判决后持卡人还不还款，就会被列入失信人名单，以后禁止高消费。

4. Be put on the dishonest list. If the cardholder fails to repay after the court's decision, it will be included in the list of dishonest people, and high consumption will be prohibited in the future.

个人建议你找个亲戚朋友的一人借个两三万先把银行的还掉吧，亲戚不收利息，而且自己会逼着自己还钱，欠银行的总觉得可以拖，大不了不在乎征信，人在没钱的时候可烦不烦自己征信问题，只要让你活着就行。

I suggest you find a relative and friend to borrow a twenty or thirty thousand yuan to return the bank first. Relatives don't charge interest, and they will force themselves to pay back the money. Those who owe to the bank always feel that they can delay. They don't care about credit investigation. When they don't have money, they don't bother themselves with credit investigation. Just let you live.

5万块钱毕竟不是太多，分2-3年还，只要你有个正常的普通工作，一定能够还得上。

50000 yuan is not too much after all. It will be paid in 2-3 years. As long as you have a normal job, you will be able to pay it back.

信用卡欠款5万，逾期已经有1年多了，目前想要还钱，但是不想支付25%的利息的滞纳金，但是逾期的利息和滞纳金肯定是银行有明确规定的，想说自己不了解这些规则而逃避这笔钱是不现实的，唯一的办法是找银行去谈，和银行重新签订还款协议，重点如下。

The credit card has a debt of 50000 yuan, which has been overdue for more than one year. At present, I want to pay back the money, but I don't want to pay the overdue fine of 25% interest. But the overdue interest and overdue fine must be clearly stipulated by the bank. It's unrealistic to say that I don't understand these rules and escape the money. The only way is to talk with the bank and sign a repayment agreement with the bank again. The key points are as follows.

第一，说明逾期原因、表示愿意还款

First, explain the reason for overdue payment and express willingness to repay

联系银行之后首先对自己的逾期原因要做出解释，千万不能让银行判定为恶意透支，只要主动联系银行并且表示愿意还款，银行一般就不会将持卡人定性为恶意透支，除非在此之前你已经得罪银行了。

After contacting the bank, first of all, you should explain your overdue reasons. Never let the bank judge it as a malicious overdraft. As long as you actively contact the bank and express your willingness to repay, the bank will not generally define the cardholder as a malicious overdraft, unless you have offended the bank before.

第二，协商还款方式与利息等

Second, negotiate repayment method and interest, etc

还款期限、还款方式、还款日期都是可以协商的，银行的目的就是为了拿回钱，只要愿意还其余都可以商量，但是还款期限最长不能超过5年，而且银行一般不会同题免除之前的利息以及滞纳金，但是有可能将之后的利息免除，当然这得根据持卡人的实际情况。

The repayment term, repayment method and repayment date can be negotiated. The purpose of the bank is to get back the money. As long as it is willing to pay back the rest, it can be negotiated. However, the repayment term cannot exceed 5 years at most. In general, the bank will not exempt the interest and overdue fine before the same topic, but it is possible to exempt the later interest. Of course, it depends on the actual situation of the cardholder.

第三，保留协商证据

Third, retain evidence of consultation

这里说这些可能有点“以小人之心，度君子之腹”了，但是真的很重要，要是单面签的合同还好说，能够拿到合同书，如果是电话协商的，那到时候就没有那么好说话了，所以录音什么的最好是保留一下

It may be a little "to treat the heart of a gentleman with the heart of a villain" here, but it's really important. If the contract signed on one side is easy to say, you can get the contract, if it's negotiated by phone, then it won't be so easy to talk, so it's better to keep the recording

信用卡逾期之后，收取每日万3到万5的日息，一般银行收取上限万5，每个账单日都会收取最低还款的5个点的违约金，备用金分期通常没有最低还款，就是全额分期额度，综合费用加起来最高可达年化利率80%（不允许反驳！本人目前就是这种情况）。解决方法，1跟银行打电话协商，只还本金，不还其他费用，但是要有钱还才行。2申请分期，每天打电话要求，是每天打。3去开一个收入困难证明，降低还款额度，减免利息。这是银行出的主意。4如果全部已经还完了，找专业的人帮你把罚息追回来，自己追也可以试试，打客服，每天打，态度要强硬，已有很多人成功。5还进一部分本金去，每月还一点，有还款意愿。降低本金额度，5万以上和5万以下区别很大，5万以上可以走刑事，所以要把本金控制在5万以下

After the credit card is overdue, the daily interest of RMB 3000-rmb 15000 will be charged, and the upper limit of RMB 15000 will be charged by the general bank, and the liquidated damages of 5 points of the minimum repayment will be charged on each billing day. Generally, there is no minimum repayment in the installment of the petty cash, that is, the full installment amount, and the combined expenses can reach the maximum annual interest rate of 80% (no refutation is allowed)! I am in this situation at present). The solution: 1. Call the bank and negotiate. Only repay the principal, no other fees, but only with money. 2 to apply for staging, call every day, call every day. To open a proof of income difficulties, reduce the amount of repayment and reduce interest. This is the idea of the bank. If it's all over, find a professional person to help you recover the penalty interest. You can also try to do it yourself. Call customer service, fight every day, and have a tough attitude. Many people have succeeded. Pay back part of the principal, pay back a little every month, and have the willingness to repay. Reduce the amount of principal. There is a big difference between more than 50000 yuan and less than 50000 yuan. More than 50000 yuan can be used in criminal cases, so the principal should be controlled below 50000 yuan

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