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[Umbrella Factory] A college student’s credit card arrears amounted to RMB 10,000 after six years!
Mr. Yu, who once went to college in Changzhou, overpaid a dime on his credit card when he was in school. Six years later, the late payment fee was as high as more than 1 yuan. What was even worse was that he was blacklisted by the bank and could not get a loan to buy a house. He had no choice but to go to Yu. The gentleman took the bank to court.
Analysis by Rong Credit Card Expert
If the credit card is overdue, the bank will charge high interest. If the cardholder repays overdue, interest will be calculated at 0.05% per day starting from the next day of consumption. Overdue interest will be compounded, which is the compound interest model. Therefore, the longer the overdue period, the higher the interest. Although Mr. Yu only overdrafted a dime, according to the credit card interest calculation model, he will owe nearly 10,000 yuan after the year, which is not an exaggeration.
, changed mobile phone number and lost contact with the bank. If the cardholder fails to repay the card overdue, the bank will collect the debt through various methods such as letters, text messages, emails, and phone calls. However, the situation of Mr. Yu in this case is quite special. Mr. Yu went to work out of town and changed his mobile phone number, so he would be unable to be contacted and naturally would not receive the bill.
. This card is processed by the school. The application information may be incomplete or incorrect. Under normal circumstances, you need to fill in the second contact person (usually the applicant's immediate family member) when applying for a card, in case the card applicant cannot be contacted. In this case, the credit card is handled by the school, and the information filled in the application may be incomplete or incorrect, which also affects the bank's collection effect to a certain extent.
Rong Reminder
High overdue credit card fees can also cause personal credit stains. Only by repaying your loan in full and on time can you avoid being taken advantage of overdue loans. In addition, when the contact information changes, you should also contact the bank promptly and go to the counter to change the contact information and refuse to become a credit-lost account.
br> This article is edited by [Umbrella Factory], Guangzhou Umbrella Factory Umbrella Manufacturer Umbrella Factory Customized