1. How long does it take for Ping An Bank to sue for overdue credit cards?

Generally speaking, Ping An Bank will not sue until its credit card is overdue for more than 90 days, then it meets the conditions for credit card fraud, and the bank can Take the cardholder to court. Generally speaking, however, banks will not sue directly. For credit cards that have just become overdue, banks will only issue collection reminders.

Within 30 days of overdue payment, the credit card customer service department will send text messages for collection. Within 30 to 90 days, the collection department will call, send text messages and emails many times, but this stage mainly involves notifications. If it takes more than 90 days, it will be handed over to the legal department for processing. The initial processing is usually through letters and phone calls from lawyers. Later, the materials are prepared for investigation and processing, or direct prosecution, or handed over to a third-party company for collection, so the final prosecution time is generally about 120 days. .

2. What to do if the Ping An Bank credit card is about to expire

1. Repay in full. If the credit card is overdue due to debt, it must be repaid as soon as possible. It is best to repay in full. . Then call the bank's credit card center to announce that there is no malicious debt. Restore bad personal credit if your previous record is good and you are found to have made good repayments after overdue payments.

2. Most banks support changing the statement date. If you find that the consumption amount during this period may exceed a lot, you can change the bill date application to a few days before the application date, so that you can get up to one month of interest-free period. After the billing date is changed, the bill for that period will be issued on the date of your change. During this period, be sure not to swipe your card again and find ways to raise funds to repay.

3. What are the consequences of an overdue Ping An Bank credit card?

1. If a credit card is overdue for more than three months, liquidated damages, overdue interest, personal credit investigation, bank litigation, and collection will be charged. Litigation fees, etc.

2. After the due date, the bank will record the overdue record in the individual's personal credit system. This bad record is very serious and any bank credit business will be rejected in the future. If the cardholder wants to clear the overdue record, he needs to pay off the balance immediately and then wait five years for the system to automatically clear it.

3. If the payment is overdue for more than three months, the bank will file a lawsuit against the cardholder, and the litigation costs will be borne by the cardholder. If the lawsuit is ignored, criminal liability will be pursued. Once a crime is constituted, it will be punished as credit card fraud.

In contemporary society, there are many major commercial banks. No matter which bank you apply for a credit card, you will need to repay the loan according to the content agreed by both parties in the future. If you apply for a credit card within the specified time, If there is no way to repay the loan, you should negotiate with the other party in a timely manner and deal with it through installment repayment and other functions. Otherwise, high liquidated damages, interest and litigation fees will be charged.

Ping An Bank Credit Card is the first credit business launched after the merger of Shenzhen Commercial Bank and Ping An Bank and was renamed Shenzhen Ping An Bank. In addition to the basic functions of credit cards such as credit consumption and cash advance, it also has Many special functions provide cardholders with comprehensive security protection covering "safety in consumption, safety at home, and safety in travel".

Ping An Bank Credit Card Center was established in 2000 and settled in Qianhai, Shenzhen in 2015. It was upgraded to a credit card franchise with secondary legal person qualifications and relatively independent operations. As of November 2018, the number of cards in circulation has exceeded 50 million.

Ping An Bank is one of the main business departments of Ping An Group of China and an important part of the comprehensive financial service platform of Ping An Group of China. As a joint-stock commercial bank operating across regions, Ping An Bank has a registered capital of RMB 5.461 billion and total assets of more than RMB 130 billion. Its head office is located in Shenzhen, and its business outlets are located in Shenzhen, Shanghai, Fuzhou, Quanzhou, Xiamen and Hangzhou.

Legal basis;

my country's "Criminal Law" stipulates that if a cardholder overdrafts beyond the prescribed period and does not return it after being called by the card-issuing bank, the cardholder who uses a counterfeit credit card, etc. , if the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is particularly huge or other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan. A fine of not less than RMB 50,000 but not more than RMB 500,000 or property confiscation may be imposed. Note: If the amount of a malicious overdraft is between 10,000 yuan and less than 100,000 yuan, all the overdraft interest has been repaid before the public security organ files a case. If the circumstances are obviously minor, criminal liability may not be pursued according to law.

When a cardholder's overdraft exceeds the prescribed period and is collected twice by the card-issuing bank, but fails to return it for more than three months, it constitutes a crime of credit card fraud. The bank has the right to cooperate with local judicial authorities to prosecute the cardholder. Criminal prosecution.