क्रेडिट कार्ड डिफॉल्टर हो जाए सावधान, वरना भुगतने होंगे ये परिणाम

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भारत में क्रेडिट कार्ड बिल का भुगतान न करना सिविल मैटर है, इंडियन लोव और Reserve Bank of India के रूल से आइये जानते है इसकी प्रोसेस:

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केवल बिल न चुकाने पर जेल नहीं होती क्योंकि यह एक सिविल डिस्प्यूट है। जेल केवल तभी हो सकती है जब आप पर फ्रोड या जाली डोक्यूमेंट का आरोप सिद्ध हो

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यदि आपने बिल भुगतान के लिए चेक दिया है और वह बाउंस हो जाता है, तो धारा 138 के तहत 2 साल तक की जेल हो सकती है

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यदि नोटिस का जवाब नहीं दिया जाता, तो बैंक बकाया वसूली के लिए सिविल कोर्ट में मुकदमा दायर कर सकता है

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भुगतान में देरी होने पर बैंक पहले SMS, ईमेल और कोल के जरिए याद दिलाता है। डिफोल्ट होने पर बैंक लीगल नोटिस भेजकर भुगतान की मांग करता है

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यदि अदालत बैंक के पक्ष में फैसला सुनाती है, तो बकाया राशि वसूलने के लिए बैंक आपकी एसेट या सैलरी को कुर्क करने का आदेश प्राप्त कर सकता है

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RBI गाइडलाइन्स रिकवरी एजेंट केवल सुबह 8 बजे से शाम 7 बजे के बीच ही कांटेक्ट कर सकते हैं, वे आपकी अनुमति के बिना घर/ओफिस आ सकते हैं

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डिफोल्ट की CIBIL जैसे क्रेडिट ब्यूरो को दी जाती है, जिससे क्रेडिट स्कोर खराब हो जाता है और भविष्य में लोन मिलना इम्पोसिबल हो जाता है

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यदि आप पूरा बिल नहीं चुका पा रहे, तो बैंक से वन टाइम सेटलमेंट की बात कर सकते हैं, बैंक इंटरेस्ट माफ कर प्रिंसिपल लेकर अकाउंट बंद कर सकता है

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यदि रिकवरी एजेंट अभद्रता करते हैं, तो आप बैंक के नोडल अधिकारी या RBI के बैंकिंग लोकपाल के पास शिकायत दर्ज करा सकते हैं

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घर का बना क्रीमी पीनट बटर जो बाजार के बटर को भी फेल कर दे Find out More

क्रेडिट कार्ड डिफॉल्टर हो जाए सावधान, वरना भुगतने होंगे ये परिणाम

जेल का नियम

यदि आपने बिल भुगतान के लिए चेक दिया है और वह बाउंस हो जाता है, तो धारा 138 के तहत 2 साल तक की जेल हो सकती है

चेक बाउंस

यदि नोटिस का जवाब नहीं दिया जाता, तो बैंक बकाया वसूली के लिए सिविल कोर्ट में मुकदमा दायर कर सकता है

सिविल सूट

रिकवरी नोटिस

प्रोपर्टी की कुर्की

रिकवरी एजेंट के रूल

सिबिल स्कोर पर अफेक्ट

कर्ज निपटान

यदि रिकवरी एजेंट अभद्रता करते हैं, तो आप बैंक के नोडल अधिकारी या RBI के बैंकिंग लोकपाल के पास शिकायत दर्ज करा सकते हैं

शिकायत का अधिकार