過払い金請求するにあたりデメリットを知りたいです。

質問と回答
  • 過払い金請求するにあたりデメリットを知りたいです。消費者金融以外にカードを使っていますが、買い物だけです。カードが使えない等あるんでしょうか?法的には払い過ぎた金利を返して貰うだけ でしょうが… デメリットがあれば考えるところもあり、どうしようかと思ってます。よろしくお願いします。
  • 完済しているならデメリットなんかありません。 解約までしているのならなおの事です。 デメリットとは信用情報のネガティブ情報を意味していると思うけど、過払い請求などの契約見直しとなる情報記載であるコード71は4年も前に廃止されています。 そもそも債務が残っていないのなら取引情報を記載する契約も無いのだから記載のしようが無い。または、過去に当社は契約者に対し過払い発生利息となる法外な金利で貸付していましたなどと今更宣言告知するような行為は絶対しない。 ただし債務が現在残っていて引き直し計算の結果過払いとならずに債務は減額されど残ってしまった場合で、その残債を一括清算出来ない場合は任意整理と同じだから異動情報記載となってブラック。 カード会社は途上与信でその異動情報を把握する事になるから一括請求はされないけれど新規利用亭措置を取られる可能性はあります。 過払いとはどういう状態の事を意味しているのかを正しく理解して行動する事です。

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