Man 7 years they have credit card payments, notice of arrears from 10,000 yuan to 180,000-credit card-IT information
7 years ago, Allen in Wuhan using a credit card, there is no repayment after the minimum amount. Two days ago, he received in Shanghai, Hubei hometown family's phone, saying the bank notifies his credit card account had accumulated more than 180,000 yuan in arrears, need to return as soon as possible.
Allen introduction is 30 years old, he is, Huanggang City, man. In 2008, he read four o'clock at a University in Wuhan, due to individual business needs, to Hankow, a banking business to apply for a credit card, the credit amount is 10,000 yuan. The summer of 2009, he pay 1300, reached the minimum repayment amount for the month, still owe most of it.
Shortly after, lost his mobile phone and wallet, credit cards are gone. After replacing a new phone number, phone number is no longer in use, credit card debts and forget.
In recent years, Allen has been working in Shanghai, did not think of owe credit card money thing. Day before yesterday, the Bank commissioned a third-party company, Huanggang found his home, telling his family, said Mr CHENG's credit card has been in arrears for more than 180,000 yuan. Mr Cheng said he owed the Bank debts not paid in a timely manner is a fact, but have questions about the amounts.
The Bank's Wuhan Branch staff, upon request, Allen September 2008 regarding their personal credit card, the final payment date is July 22, 2009, repayment amounts to 1300. By August 2009 the repayment date, Allen was 10351.32 Yuan in arrears. After 7 years, Allen's credit card account without any repayment history. As of yesterday, Mr CHENG's total arrears amounted to 182218.23 Yuan.
Bank staff explained that according to the agreement, credit card interest rates to five out of 10,000, charge compound interest monthly, charged compound interest includes principal, interest, overlimit fee, late fees and other charges, and all other debts. Over time, Mr CHENG's total debt reached more than 180,000 yuan. In these 7 years, through text messages, phone calls and other means to inform customers of banks owed, but there has been no response.
Banks warned that credit card is only used for daily consumption, such as overdue, will not only generate interest and late fees, but will also affect personal credit. Arrears is automatically generated by the system, time is long overdue, and owe more. For the avoidance of late, customers by cell phone text messages, a binding letters or credit card credit card micro-APP, understand my billing and payments on time. If the banks to set aside personal mobile phone is changed, please call customer service to modify. You've already overdue, advise the customer to contact the Bank repayment as soon as possible.
男子7年未还信用卡，通知欠款从1万元变成18万 - 信用卡 - IT资讯
7年前，程先生在武汉使用信用卡，还到最低额度之后再也没有还款。前日，他在上海收到湖北老家家人的电话，称银行通知他信用卡账户已累计欠款18万多元，需尽快归还。
今年30岁的程先生介绍，他是黄冈市人。2008年，他在武汉一所大学读大四时，因个人创业需要，到汉口一家银行的营业部申请办理了信用卡，信用额度为1万元。2009年夏季时，他还款了1300元，达到了当月的最低还款额度，还欠大部分。
不久后，他的手机和钱包丟失，信用卡也不见了。更换新的手机号码之后，原来的电话号码不再使用，信用卡欠款也忘了还。
最近几年，程先生一直在上海工作，也没有想到还欠信用卡钱的事情。前日，银行委托第三方公司，找到他黄冈老家，告诉其家人，说程先生的信用卡已经欠款18万多元。程先生称，他欠银行欠款没有及时还清是事实，但是对数额有疑问。
该银行武汉分行工作人员表示，经查询，程先生2008年9月办理的个人信用卡，最后一次还款日期是2009年7月22日，还款金额为1300元。到2009年8月份的还款日期时，程先生的欠款为10351.32元。之后7年时间，程先生的信用卡账户没有任何还款记录。截止昨日，程先生的总欠款为182218.23元。
银行工作人员解释，根据客户协议，信用卡透支利息日利率为万分之五，按月计收复利，复利计收对象包括本金、利息、超限费、滞纳金及其他手续费等全部欠款。日积月累，程先生的总欠款达到了18万多元。在这7年时间，银行通过短信、电话等多种方式告知客户欠款逾期事宜，但一直没有得到回应。
银行提醒，信用卡仅用于日常消费，如发生逾期，不但会产生利息和滞纳金，更会影响个人征信。欠款由系统自动生成，逾期时间越久，产生的欠款越多。为避免产生逾期，客户可通过手机短信、绑定信用卡微信或信用卡APP，了解本人账单情况并按时还款。若在银行预留的个人手机发生变更，应及时致电客服修改。对于已经发生的逾期，建议客户尽快联系银行还款。