The place to ask China-related questions!
Beijing Shanghai Guangzhou Shenzhen Chengdu Xi'an Hangzhou Qingdao Dalian Suzhou Nanjing More Cities>>

Categories

Close
Welcome to eChinacities Answers! Please or register if you wish to join conversations or ask questions relating to life in China. For help, click here.

By continuing you agree to eChinacities's Privacy Policy .

Sign up with Google Sign up with Facebook
Sign up with Email Already have an account? .
Posts: 97

Governor

3
0
You must be a registered user to vote!
You must be a registered user to vote!
3

Q: Credit Card Repayment

My wife have 7 credit card from 4 bank in China, Fuzhou.

Overdue payment total up is RMB57000.

2 card from China Merchant Bank, 2 card from PingAn Bank, 2 card from Citic Bank and 1 from Bank of China.

 

Please advise how to make the repayment and what should I do to settle this issue. Because the interest will be added to the overdue payment every month. 

 

Thanks.

4 years 28 weeks ago in  Money & Banking - Fuzhou

 
Highest Voted
Posts: 3867

Emperor

3
3
You must be a registered user to vote!
You must be a registered user to vote!
0

1) Take the cards off your wife to stop her using them

 2) Go into each bank with her and pay off the cards in person. That way you know they are paid off. 

 

Report Abuse
4 years 28 weeks ago
 
Answers (7)
Comments (3)
Posts: 3867

Emperor

3
3
You must be a registered user to vote!
You must be a registered user to vote!
0

1) Take the cards off your wife to stop her using them

 2) Go into each bank with her and pay off the cards in person. That way you know they are paid off. 

 

Report Abuse
4 years 28 weeks ago
 
0
0
You must be a registered user to vote!
You must be a registered user to vote!
0

To avoid such situation in future, instruct them all to auto-debit your account on due date.!

Report Abuse
4 years 28 weeks ago
 
Posts: 3497

Emperor

0
1
You must be a registered user to vote!
You must be a registered user to vote!
1

Get your wife to enroll in a course of household budgeting 101.

If an adult in the family is running up so much debt, how are you going to be able to afford payment for any childhood medical problems in China?

http://answers.echinacities.com/question/foreign-children-medical-expenses-china?type=alatest#lastcomment

 

even living in China is a health hazard:

   air pollution

   80% tap water undrinkable (according to Chinese government figures so the reality is    probably nearer 100%)

   fake/expired vaccines being peddled through hospitals

   fake food/contaminated food

 

Seriously, who needs 7 credit cards unless they are constantly borrowing from one to pay for another?

 

to settle your debt, if one of your children is blonde/blue eyed you would probably be able to find a buyer in China.

 

consolidate the debt onto one card

destroy all the other cards.

review and control your weekly budget.

 

it sounds like someone in your household has either a gambling problem or is addicted to designer crap for the want of something else to do with their time, or is obsessed with 'face'.

 

Report Abuse
4 years 28 weeks ago
 
2
4
You must be a registered user to vote!
You must be a registered user to vote!
2

My credit card bills are overdue, what should I do? Seriously? What's next, my clothes are dirty what should I do? I'm starving, what should I do? It's 2 in the morning and I'm seriously sleepy and I need to be at work at 9:00am what should I do?

Report Abuse
4 years 28 weeks ago
 
2
2
You must be a registered user to vote!
You must be a registered user to vote!
0

90 days late on credit cards is jail time in china, make sure your name is not on the credit cards and look for a new wife.

Report Abuse
4 years 28 weeks ago
 
Posts: 4584

Emperor

1
1
You must be a registered user to vote!
You must be a registered user to vote!
0

I suggest you have your wife get a job to pay for it all, destroy the cards and not let her have any control over finances in the future.

 

 

As to how to make the payments... I don't know,only you know that. If you have the money pay it, if you don't then I guess you need to find it. I would ask her family to get it.

Report Abuse
4 years 28 weeks ago
 
Know the answer ?
Please or register to post answer.

Report Abuse

Security Code: * Enter the text diplayed in the box below
Image CAPTCHA
Enter the characters shown in the image.
  • Allowed HTML tags: <a> <em> <strong> <cite> <code> <ul> <ol> <li> <dl> <dt> <dd> <img> <br> <p> <u>
  • Web page addresses and e-mail addresses turn into links automatically.
  • Lines and paragraphs break automatically.
  • Textual smileys will be replaced with graphical ones.

More information about formatting options

Forward Question

Answer of the DayMORE >>
A: Going to HK would be the best bet I reckon, especially if you were loo
A:Going to HK would be the best bet I reckon, especially if you were looking for a church wedding. Chinese weddings are pretty grim IMO - you go to a barren govt dept with souless officials and navigate red tape so some guy can give you a red stamp and a marriage book. You get expensive pictures taken of you both posing in places you'd never go to in everyday life that is somehow supposed to represent your wedding, then a while later it's off to a restaurant where a game show host kind of guy makes sure it's as tacky as possible while the guests eat as fast as they can so they can leave as soon as they finish eating and gave you money. Hell, I'd go to Thailand or the Philippines and get married in Paradise.   -- Stiggs