As "overdraft consumption" becomes popular in our country, the number of credit cards and other "loan tools" in our country has increased significantly. At present, more than 800 million integrated credit and debit cards have been issued in my country, and this number will further grow in the future.

With the popularity of credit cards in our country, some cases of illegal use of credit cards have also increased significantly. Examples of illegal cash-outs and illegal use of credit card funds abound, and some people even maliciously overdraft their credit cards. You must know that the original intention of issuing credit cards in our country is to allow everyone to "overdraw" part of their funds in emergencies and reduce everyone's financial pressure.

Faced with the chaos in the credit card industry, my country’s central bank has also taken action to rectify it. It has issued multiple announcements and interviewed many banks to focus on strengthening credit card rectification actions, standardizing the use of credit card funds, and strengthening the threshold for applying for credit cards. , further reducing the illegal use of credit cards.

The biggest advantage of credit cards is "consume first and pay off debt later." As mentioned above, more than 800 million credit and debit cards have been issued in my country, and this number continues to grow. With the rapid development of the credit card industry, my country has also implemented strict regulations on this industry, with the purpose of guiding cardholders to consume and use credit card funds reasonably.

The Bank of Communications has released a financial service plan to facilitate and benefit the people during the epidemic, and continues to optimize the deferred repayment relief policy for credit card customers. Customers in areas severely affected by the epidemic and with normal account status can apply for services according to the Bank of Communications Actively send service text messages to choose relevant deferred repayment services; other credit card customers can call the customer service hotline to apply for deferred repayment. Overdue credit reports are not included in the deferred repayment grace period.

Will your credit card be listed on the list of dishonest persons if it is overdue? If it is simply overdue, you will not be included in the list of defaulters without going through litigation, because only the court has the right to put you on the list of defaulters. Only after a series of litigation procedures, and you refuse to comply, can you be listed on the list of defaulters. There will be a list of dishonest persons at the meeting, so if you are overdue, you will not be included in the list of dishonest persons.

Civilly speaking, as a bank creditor, as a creditor, if you cannot repay the money you owe others, it is unlikely that you will be sued because after all, the bank is a formal financial institution and all its management terms , including operating mechanisms, are all stipulated by law. As long as we maintain communication with the creditor, explain our difficulties and express our willingness to repay, the bank will not arbitrarily sue you, because litigation also costs money.

Will you go to jail if your credit card is overdue? Lawyer Wei Xingning from Shaanxi Qinbo Law Firm said that overdue credit cards are generally civil disputes and will not go to jail, but you know that you have no ability to repay and make a large number of malicious overdrafts or overdrafts. If you avoid bank collection by hiding, changing contact information, etc., exceed the prescribed limit or overdraft within the prescribed period, and still fail to pay back the card after two valid collections by the issuing bank for more than three months, you may be suspected of credit card fraud and will be imprisoned. Therefore, "Although the credit card is good, , don’t be greedy for drinks.”

The amount of malicious overdraft refers to the actual overdraft principal amount that has not been repaid when the public security organ files a criminal case, excluding interest, compound interest, late payment fees, handling fees and other fees charged by the card-issuing bank. The amount returned or paid shall be deemed as the return of the actual overdraft principal.

If there is a malicious overdraft, the amount is more than 10,000 yuan but less than 100,000 yuan, and all the overdraft interest has been repaid before the public security organ files the case, and if the circumstances are obviously minor, criminal liability may not be pursued according to law. If the overdraft is malicious and the amount is more than 50,000 yuan but less than 500,000 yuan, and the amount is returned in full before filing a public prosecution, or there are other minor circumstances, prosecution is not required. If all items are returned before the first-instance judgment or there are other minor circumstances, criminal punishment may be exempted. However, this does not apply to those who have been punished twice or more for credit card fraud.