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</div> </div> <div class="comment-wrap art-content"> <div class="answercontent" style="max-height:20000px"> 不可以。根据中华人民共和国民法通则第一百零八条，债务应当清偿。暂时无力偿还的，经债权人同意或者人民法院裁决，可以由债务人分期偿还。有能力偿还拒不偿还的，由人民法院判决强制偿还。根据中华人民共和国民法通则第八十四条规定，债是按照合同的约定或者依照法律的规定，在当事人之间产生的特定的权利和义务关系，享有权利的人是债权人，负有义务的人是债务人。债权人有权要求债务人按照合同的约定或者依照法律的规定履行义务。信用卡由商业银行或信用卡公司对信用合格的消费者发行的信用证明。持有信用卡的消费者可以到特约商业服务部门购物或消费，再由银行同商户和持卡人进行结算，持卡人可以在规定额度内透支。扩展资料合同法第二百零七条规定，“借款人未按照约定的期限返还借款的，应当按照约定或者国家有关规定支付逾期利息”。逾期将收取罚息，自逾期之日起，每天对逾期金额收取约定利率150%的罚息，直至逾期还清。您的逾期记录将被上报人行征信，将影响您的信用记录，珍爱信用，请按时还款。若借款逾期超过一定期限，逾期用户的相关记录将被传至央行的个人征信系统。除了将逾期信息上传之央行个人征信系统外，借贷还将继续和前海征信、上海资信、鹏元征信等第三方征信机构合作。对逾期或未按合同约定用途使用借款的贷款，从逾期或未按合同约定用途使用贷款之日起，按罚息利率计收利息，直至清偿本息为止。对不能按时支付的利息，按罚息利率计收复利。信用卡逾期的后果:1.产生违约金，一般是最低还款额，未还部分的5%。2.高额利息，而且是利滚利，欠款多的情况下利息是很吓人的。3.逾期会让信用记录产生污点，导致今后2年内买房、贷款等金融需求不能办理。4.逾期超过3个月没还，且金额超过1万，银行多次催款未果，到时候需要承担的不仅是还钱，还可能承担刑事责任。可以对失信被执行人采取的行为：1.禁止部分高消费行为，包括禁止乘坐飞机、列车软卧。2.是实施其他信用惩戒，包括限制在金融机构贷款或办理信用卡。3.失信被执行人为自然人的，不得担任企业的法定代表人、董事、监事、高级管理人员等。 原问题：《信用卡逾期3年可以申请只还本金吗？》 <div 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<div></div> </div> <!-- 一快捷邀请回答列表--> <div class="question_insertcode" id="question_insertcode_16"></div> <!-- 一周热门问题--> <div class="new-answer bb"> <h3 class="title"> 相关知识 </h3> <div class="inf-list"> <ul class="clearfix"> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-984434.html" title="">欠网贷一年没还被拉黑了(我欠网贷好几年了没还)</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-05-03 04:42</span> <p class="xgzsms">要看你借钱的时候用的哪里的，网贷的话不能算是，只是你的大数据乱了，在别的平台借不到钱而已，因为是共享的，如果是银行，逾期了一年那肯定是黑户，网贷和银行贷款完全两个性质</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-1953942.html" title="">我欠网贷和信用卡20万没钱还-我欠网贷和信用卡20万没钱还怎么办</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/8">债权债务</a></span> <span class="xgzs">时间：2023-08-21 15:14</span> <p class="xgzsms">我欠网贷和信用卡20万块钱,现在已经欠下了巨额债务,感到非常焦虑和无助。网贷和信用卡债务已经影响到了我的信用,让我感到无法正常生活和工作。我正在寻求帮助和建议,希望能解决这个问题。 首先,我意识到我的债务是一个严重的问题,必须采取行动来解...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-989610.html" title="">我欠网贷和村委会有关系吗(欠网贷居委会管吗)</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-05-03 21:01</span> <p class="xgzsms">还上就好了，现在只是口头威胁，以后有什么举措就不知道了</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-950746.html" title="">我欠网贷和信贷好多钱(网贷欠了多少钱)</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-04-27 18:13</span> <p class="xgzsms">贷款的的钱不还会有什么后果： 确实没有偿还能力的，应当与贷款机构进行协商，宽展还款期间或者分期归还； 如果贷款机构起诉到法院胜诉之后，在履行期未履行法院判决，会申请法院强制执行； 法院在受理强制执行时，会依法查询贷款人名下的房产、车辆、证券...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-919975.html" title="">欠网贷和信用卡逾期一年了(欠网贷逾期一年怎么办)</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-04-24 08:31</span> <p class="xgzsms">可以协商的，具体的你可以跟催收的进行协商还款的哦。 </p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-921551.html" title="">我欠网贷和信用卡20万没钱还(欠网贷信用卡20万无力偿还怎么办)</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-04-24 13:11</span> <p class="xgzsms">至少他网贷快还完了也算是个好消息，因为网贷的利息肯定是最高的，信用卡欠的20万至少是正规银行的，利息也都是银监定的不能乱收，而且不会乱来，不过信用卡不还也是会打电话到公司的，如果这个20万是不同银行欠的，最好分别跟这些银行申请协商还款，签订...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-922494.html" title="">欠网贷和信用卡怎么解决(我欠信用卡,网贷,现在还不上,该怎么办)</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-04-24 16:07</span> <p class="xgzsms">信用卡逾期解决方案： 1、如果持卡人忘记还款，发现逾期后，一定要尽快还款，最好全额还款。 给银行信用卡中心打电话，声明非恶意欠款。 逾期时间短的话，银行可能不计不良记录； 2、信用卡逾期由于失业、疾病等原因无力偿还时，在还款期之前，持卡...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-923342.html" title="">我欠网贷和信用卡共40多万(欠网贷信用卡五十多万)</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-04-24 18:29</span> <p class="xgzsms">一、找亲朋好友筹借。 朋友有难，一般人不会坐视不理。 作为借款人，只需如实跟亲朋说出处境，自然会有人愿意帮这个忙。 当然，作为借款人，应该拿出诚意，约定好借款金额及还款时间等事宜，才能最大程度打消亲朋借款的顾虑！ 二...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-1961565.html" title="">我欠网贷和银行钱我能慢慢还吗-</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/8">债权债务</a></span> <span class="xgzs">时间：2023-08-24 00:26</span> <p class="xgzsms">我欠网贷和银行钱我能慢慢还吗 近年来，随着互联网的发展和普及，网贷平台如雨后春笋般出现在市场上，为人们提供了便捷的投资和贷款渠道。然而，网贷平台也带来了一系列问题，如高利息、隐性收费、不透明的合同等，让许多人陷入了借款困境。而作为个人信用...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-953783.html" title="">我欠的网贷和家人有关系吗(家人欠网贷,我需要还吗)</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-04-28 02:38</span> <p class="xgzsms">网贷不还，受影响最大的是当事人自己。 网贷经融都是实名制了的，如果你到期不还，利息会是很高的，那真是利滚利呢，越拖得久，你欠的钱越多，你这一辈子不可能不要你还，如果逾期久了，网贷公司也会向法院起诉。 有借有还，如果到期了还是把钱还了最好...</p></div> </ul> </div> </div><div class="question_insertcode" id="question_insertcode_17"></div> </div> </div> </div> </div> <div class="kluw col-md-7 aside "> <div class="ssfe question_insertcode" id="question_insertcode_18"></div> <!-- 相关问题--> <div class="standing"> <div class="positions bb" id="rankScroll"> <h3 class="title">相关问题</h3> <ul> <li class="no-video"><a href="https://www.hongjibp.com/lawask-40843.html" "> 我欠网贷逾期3年，现在已经还了一半，剩下的可以申请分期还款吗 </a> <div class="num-ask"> <a href="https://www.hongjibp.com/lawask-40843.html" class="anum"> 1 个回答</a> </div></li> <li class="no-video"><a href="https://www.hongjibp.com/lawask-117147.html" "> 欠网贷和信用卡已无力偿还，能否进行协商或者延期，网贷和银行都 </a> <div class="num-ask"> <a href="https://www.hongjibp.com/lawask-117147.html" class="anum"> 1 个回答</a> </div></li> <li class="no-video"><a href="https://www.hongjibp.com/lawask-180929.html" "> 欠网贷和信用卡，数额十多万，可以分期还吗 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$(".txt_taginput").on(" input propertychange",function(){ var _txtval=$(this).val(); if(_txtval.length>1){ //检索标签信息 var _data={tagname:_txtval}; var _url="https://www.hongjibp.com/tags/ajaxsearch.html"; function success(result){ console.log(result) if(result.code==200){ console.log(_txtval) $(".tagsearch").html(""); for(var i=0;i<result.taglist.length;i++){ var _msg=result.taglist[i].tagname $(".tagsearch").append('<div class="tagitem" tagid="'+result.taglist[i].id+'">'+_msg+'</div>'); } $(".tagsearch").show(); $(".tagsearch .tagitem").click(function(){ var _tagname=$.trim($(this).html()); var _tagid=$.trim($(this).attr("tagid")); if(gettagsnum()>=5){ alert("标签最多添加5个"); return false; } if(checktag(_tagname)){ alert("标签已存在"); return false; } $(".dongtai .tags").append('<div class="tag"><span tagid="'+_tagid+'">'+_tagname+"</span><i class='fa fa-close'></i></div>"); $(".dongtai .tags .tag .fa-close").click(function(){ $(this).parent().remove(); }); $(".tagsearch").html(""); $(".tagsearch").hide(); $(".txt_taginput").val(""); }); } } ajaxpost(_url,_data,success); }else{ $(".tagsearch").html(""); $(".tagsearch").hide(); } }) function checktag(_tagname){ var tagrepeat=false; $(".dongtai .tags .tag span").each(function(index,item){ var _tagnametmp=$.trim($(this).html()); if(_tagnametmp==_tagname){ tagrepeat=true; } }) return tagrepeat; } function gettaglist(){ var taglist=''; $(".dongtai .tags .tag span").each(function(index,item){ var _tagnametmp=$.trim($(this).attr("tagid")); taglist=taglist+_tagnametmp+","; }) taglist=taglist.substring(0,taglist.length-1); return taglist; } function gettagsnum(){ return $(".dongtai .tags .tag").length; } $(".tagsearch .tagitem").click(function(){ var _tagname=$.trim($(this).html()); if(gettagsnum()>=5){ alert("标签最多添加5个"); return false; } if(checktag(_tagname)){ alert("标签已存在"); return false; } $(".dongtai .tags").append('<div class="tag"><span>'+_tagname+"</span><i class='fa fa-close'></i></div>"); $(".dongtai .tags .tag .fa-close").click(function(){ $(this).parent().remove(); }); $(".tagsearch").html(""); $(".tagsearch").hide(); $(".txt_taginput").val(""); }); $(".dongtai .tags .tag .fa-close").click(function(){ $(this).parent().remove(); }); $(".yuyinplay").click(function(){ targetplay=$(this); var _serverid=targetplay.attr("id"); if(_serverid == '') { alert('语音文件丢失'); return; } $(".wtip").html("免费偷听"); targetplay.find(".wtip").html("播放中.."); if(mobile_localyuyin==1){ $(".htmlview").removeClass("hide"); $(".ieview").addClass("hide"); var myAudio =targetplay.find("#voiceaudio")[0]; // myAudio.pause(); //myAudio.play(); if(myAudio.paused){ targetplay.find(".wtip").html("播放中.."); myAudio.play(); }else{ targetplay.find(".wtip").html("暂停.."); myAudio.pause(); } function endfun(){ targetplay.find(".wtip").html("播放结束");alert("播放结束!")} var is_playFinish = setInterval(function(){ if( myAudio.ended){ endfun(); window.clearInterval(is_playFinish); } }, 10); }else{ $(".ieview").removeClass("hide"); $(".htmlview").addClass("hide"); } }) function deleteanswer(current_aid){ if(confirm("是否删除此回答?")){ window.location.href=g_site_url + "index.php" + query + "question/deleteanswer/"+current_aid+"/478747"; } } function adoptanswer(aid) { $("#adopt_answer").val(aid); $('#dialogadopt').modal('show'); } //编辑标签 function edittag() { $('#dialog_tag').modal('show'); } if(typeof($(".show-content").find("img").attr("data-original"))!="undefined"){ var imgurl=$(".show-content").find("img").attr("data-original"); $(".show-content").find("img").attr("src",imgurl); } $(".show-content,.answercontent").find("img").attr("data-toggle","lightbox").attr("data-lightbox-group",Date.parse( new Date() ).toString()); var category1 = [["1","法律类别"]]; var category2 = 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$(".showcommentid").each(function(){ var dataid=$(this).attr("data-id"); show_comment(dataid); }); function show_comment(answerid) { if ($("#comment_" + answerid).css("display") === "none") { load_comment(answerid); $("#comment_" + answerid).slideDown(); } else { $("#comment_" + answerid).slideUp(); } } //添加评论 function addcomment(answerid) { var content = $("#comment_" + answerid + " input[name='content']").val(); var replyauthor = $("#comment_" + answerid + " input[name='replyauthor']").val(); if (g_uid == 0){ login(); return false; } if (bytes($.trim(content)) < 5){ alert("评论内容不能少于5字"); return false; } $.ajax({ type: "POST", url: "https://www.hongjibp.com/answer/addcomment.html", data: "content=" + content + "&answerid=" + answerid+"&replyauthor="+replyauthor, success: function(status) { if (status == '1') { $("#comment_" + answerid + " input[name='content']").val(""); load_comment(answerid); }else{ if(status == '-2'){ alert("问题已经关闭，无法评论"); } } } }); } //删除评论 function 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