Generally, if a credit card is overdue for 9 days (three months), it can enter the judicial process and file a case, and the prosecution period is two years. ?

the consequences of the failure of the credit card (dunning steps):

1. The issuing bank will urge the credit card loan to be received in accordance with the law. According to the loan contract and the guarantee contract (mortgage or pledge contract), the issuing bank will bring a lawsuit to the court, and the court will take measures such as property preservation, including freezing the bank deposits of the credit user and sealing up the pledged property. ?

2. After the judgment is made, the property will be enforced (deducting deposits, auctioning collateral, etc.) according to law to pay off the bank's loan losses.

specifically, it includes: principal in arrears, interest in arrears, overdue interest and penalty interest, all litigation costs arising therefrom, and related expenses incurred when the mortgaged (pledged) thing is realized. ?

3. Credit will be affected. If the borrower is a company, your company will be recorded in the national bank credit consultation system, and the credit card overdraft in the name of an individual will also be recorded as overdue loan in the national personal credit consultation system. ?

4. If the bank loan is not owed in bad faith, and it is able to pay the interest on normal credit card overdraft, it is suggested to apply to the credit card center for a repayment suspension first, stating the willingness to repay, the fact that the credit card debt is not paid for the time being and the plan for repayment in the future. Under normal circumstances, the bank will grant a grace period.

Extended information:

Consequences of breaking promises due to failure to pay back money

1. The release of "Lao Lai blockbuster" increased the exposure

LED large-screen exposure, network exposure, public transport media exposure, and even cinema circulation.

2. Customize the customized CRBT for Lao Lai

In order to jointly punish Lao Lai, Luoyang, Enshi, Wuhu and other courts have reached an agreement with local communication operators to formulate the customized CRBT for Lao Lai. When the mobile phone is called, the other party will hear the "special reminder from Lao Lai", and the caller will be urged to fulfill the repayment obligation as soon as possible.

3. The whole network inquires about assets, and the balance of Alipay is frozen.

The people's court has the right to inquire about your personal assets. The court in Huangdao, Kunming, inquired about the assets of a faithless person on the whole network, and found that there was an asset of more than 1, yuan in the Alipay account with real-name authentication, and immediately handed the Financial Assistance for Freezing to Alipay headquarters and got cooperation, and successfully frozen the assets in Alipay.

4. announcement of wechat reward

Guangzhou intermediate people's court released the information of "Lao lai" by means of new media such as wechat platform, which is helpful to further solve the "implementation difficulty". Last year, 38 awards were issued, involving a total amount of 247 million yuan. Recently, WeChat friends circle advertisements also exposed "Lao Lai" and used big data to accurately deliver it, leaving Lao Lai nowhere to escape.

xinhuanet-a man who maliciously overdraws his credit card by more than 25, yuan does not constitute fraud and is sentenced.