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Old 30.08.2017, 13:00
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Behind on Credit Card Payments

Hi there gang,

I have sadly (due to client not paying me in Italy) got behind on three payments with Viseca Card services.

The total to repay is 3700 chf, i have been in contact with them.
I will pay it and cancel the card as soon as i can when my client pays me.

One of those unforeseen life moments.

When i have spoken to the credit department twice they have been very aggressive and threatening.

If you don't repay the sum in full in the next few weeks you will never get credit again for three years, you will be blacklisted, have troubles finding work etc.

It does not help me feel great about the whole affair, i just cannot work out how to take it forward quite honestly and if they are just using (very dated) scare tactics or telling the truth.

I would love to and will pay, i cannot pay what i don't have of course.

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Old 30.08.2017, 13:46
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Re: Behind on Credit Card Payments

And what would you like from them or us?

You are 3 months behind with now a debt of 3.700,- Your cliënt is also a minimum of 3 months behind if he is the only reason you have not paid them, do you expect them to say "yeah, no problem let's just wait for a couple of more months, maybe your client wil pay, maybe he won't?"

And yes it would be wise to look for other ways of paying up to avoid further stept from them that will only cost more money, maybe you have something you can sell 2nd handed and just buy back something else when you have money again.

It sucks, but in the end they will hold you up to a contract you signed and mercy is not to be expected after 3 months of not paying. And yes you can/will get a registration which makes certain things harder for the next couple of years.
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Old 30.08.2017, 14:11
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Re: Behind on Credit Card Payments

Hi Edwin,

Thanks for your reply,

I am really just trying to ascertain what credit scores are like in Switzerland?

If their threats (totally useless by the way, never solves anything) are just dramatic and there is the option of a repayment plan.

I signed a contract, things sadly changed, businesses are constantly bad payers, the bigger they are the worse they are, i am certainly not going to worry myself into an early grave, they will earn adequate interest and have done thus far, its their business i will repay them a larger sum and they will benefit eventually.

I merely would like to know what credit scores might be affected and if they at all have ay kind of charge against me regarding work permit?

Thanks to all
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Old 30.08.2017, 14:15
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Re: Behind on Credit Card Payments

Get a short-term loan from your bank to pay the card...
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Old 30.08.2017, 14:25
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Re: Behind on Credit Card Payments

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If you don't repay the sum in full in the next few weeks you will never get credit again for three years, you will be blacklisted, have troubles finding work etc.
Blacklisted: With this particular company very likely.
Troubles finding work: Could be if you intend to work in finance.
Never get credit in the next three years: Possible. At least not for a good rate.

Depends what route they will go:
- If the keep it private then it gets "only" registered with the ZEK https://www.zek.ch (Time limits see https://www.zek.ch/getattachment/ec9...gsfristen.aspx)
- If they go the formalgovernment route of Betreibung/Poursuit (Debt enforcement) then it will also be listed in the Betreibungsregister (Debt enforcement register). In that case it could remain there up to five years

You may have to show a Betreibungsregister extract when you rent a flat, apply for credit, or for certain jobs.
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Old 30.08.2017, 14:26
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Re: Behind on Credit Card Payments

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Get a short-term loan from your bank to pay the card...
If they get it. The open debt is most likely allready registered with the ZEK.
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Old 30.08.2017, 14:35
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Re: Behind on Credit Card Payments

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I am really just trying to ascertain what credit scores are like in Switzerland?
The legal way to enforce debts goes through Betreibungsamt. If Viseca files a claim against you there, everyone will be able to see this debt claim in their registry for 5 years. Even if you pay it all up, it stays there until they allow the record to be revoked. If you have to move apartments, almost always you'll be asked for excerpt from this registry and most landlords won't rent to you if it's not impeccably clean.

Another registry is ZEK/IKO, a non profit organization for banks and other institutional credit issuers. You're almost certainly already blacklisted there and other banks will know better not to give any money to you now

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I merely would like to know what credit scores might be affected and if they at all have ay kind of charge against me regarding work permit?
C permit might be refused if you have debt claims in Betreibungsauskunft - it shows that you didn't "integrate"


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Get a short-term loan from your bank to pay the card...
He's likely already on ZEK's blacklist, no bank will give him any money now. Negotiate with Viseca on payment in rates. Normally you only need to pay 5% of outstanding balance a month - https://www.viseca.ch/de/kundendiens...ng/teilzahlung. And a ripoff interest rate on the rest
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Old 30.08.2017, 14:35
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Re: Behind on Credit Card Payments

Thanks so much aSwissIntheUS, that was what was trying to find out, i will try and repay all sooner of not negotiate a repayment and now with the knowledge of the actions they could take.

Really appreciate that!!
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Old 30.08.2017, 14:41
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Re: Behind on Credit Card Payments

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C permit might be refused if you have debt claims in Betreibungsauskunft - it shows that you didn't "integrate"
Only if you are asked to provide this.
Also it will only show debt collection enforcements from the last 5 years.

I doubt it shows that you didn't integrate insofar as anyone can open a debt collection enforcement procedure against you. It doesn't mean to say the debt actually ever existed, it only shows that someone says that it exists/existed.
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Old 30.08.2017, 14:52
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Re: Behind on Credit Card Payments

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Only if you are asked to provide this.
Also it will only show debt collection enforcements from the last 5 years.
It's required in ZH for non-EU, some clerk will look at it and make a subjective judgement about whether you've integrated or not, showed your respect for swiss law and order etc. A large debt claim is certainly not a good sign
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Old 30.08.2017, 14:57
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Re: Behind on Credit Card Payments

Can't you just pay the minimum amount to keep them off your back?
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Old 30.08.2017, 14:58
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Re: Behind on Credit Card Payments

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It's required in ZH for non-EU, some clerk will look at it and make a subjective judgement about whether you've integrated or not, showed your respect for swiss law and order etc. A large debt claim is certainly not a good sign
I wouldn't say it's particularly large.. It's roughly what i spend/pay on my viseca card every month.

Most front-line collection departments will be automatically aggressive sounding, that's what they are there for. Maybe best to write to them with a proposal for a payment plan, if they agree it, all good, the hassle and worry will stop if not then you are no worse off.
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Old 30.08.2017, 15:08
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Re: Behind on Credit Card Payments

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Can't you just pay the minimum amount to keep them off your back?
Yeah I am really not sure why this is an issue, considering how low monthly payments are.

Unless he contractually has to pay off the full amount on a monthly basis, which would be highly unusual. Banks generally are a fan of accrued interest.
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Old 30.08.2017, 15:09
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Re: Behind on Credit Card Payments

Are you/your company that skint that you couldn't make the minimum payments each month?
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Old 30.08.2017, 15:19
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Re: Behind on Credit Card Payments

Try this loan calculator to borrow enough to pay off Viseca
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Old 30.08.2017, 15:27
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Re: Behind on Credit Card Payments

Can't if he's already been blacklisted.
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Old 30.08.2017, 15:29
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Re: Behind on Credit Card Payments

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Yeah I am really not sure why this is an issue, considering how low monthly payments are.

Unless he contractually has to pay off the full amount on a monthly basis, which would be highly unusual. Banks generally are a fan of accrued interest.
Is what i have with viseca.. but it was just a choice when i took the card.. *I think* I can log in and change it on the webiste my-account thingy.
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Old 30.08.2017, 15:31
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Re: Behind on Credit Card Payments

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Is what i have with viseca.. but it was just a choice when i took the card.. *I think* I can log in and change it on the webiste my-account thingy.
Ditto, but until the OP explains things a bit more clearly we can only guess.
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Old 30.08.2017, 15:43
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Re: Behind on Credit Card Payments

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Can't if he's already been blacklisted.
Check out the link, it says:
Independent credit check to avoid rejection by the ZEK
Also
Free of charge and with no obligation
What does he have to lose in this case?
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Old 30.08.2017, 16:56
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Re: Behind on Credit Card Payments

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Try this loan calculator to borrow enough to pay off Viseca
But how will he pay for that if the customer does not pay the bill? Given that such deals often have high rental payments and rules are also strict he should give it a very good thought to prevent slipping away in an even deeper financial hole.
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