Generally, if a cardholder is overdue for more than three months and the amount is relatively large, and the bank has repeatedly (more than two) collection attempts to no avail, the bank will sue the cardholder. Once the lawsuit is lost, the cardholder will be charged. The cardholder will bear all the bank's fees and will be blacklisted by the bank.

No matter what the reason is for the debt, if the overdue credit card is frozen, it means that the overdue credit card is very serious, so there must be something bad in the cardholder's personal credit system. consumption records and repayment records. At this time, if the cardholder wants to reduce the impact of an overdue credit card, the most important thing to do is to pay off the remaining balance.

Extended information:

1. Overdue consequences——

1. Liquidated damages, usually 5% of the minimum repayment amount and the unpaid part.

2. The interest is high, and the interest is compounded. The interest rate is very scary when the debt is large.

3. Overdue credit records will be stained, resulting in the inability to handle financial needs such as house purchases and loans within the next two years.

4. If the payment is overdue for more than 3 months, and the amount exceeds RMB 10,000, and the bank has failed to pay multiple reminders, you will not only have to bear the repayment, but may also bear criminal liability.

2. Legal provisions -

1. If the amount of debt is up to 10,000 yuan and is not returned for more than 3 months after two collections by China Construction Bank, it constitutes credit card fraud. crime and should bear criminal responsibility. After the public security organ files a case for investigation, it usually takes about four months before the procuratorate files a public prosecution in the court.

2. If the cardholder exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possession, and fails to return the card for more than 3 months after being called upon twice by the issuing bank, it shall be deemed as one of the 100th violation of the Criminal Law. "Malicious overdraft" as stipulated in Article 96.

3. If the amount of malicious overdraft is more than 100,000 yuan and less than 1 million yuan, it shall be deemed as a "huge amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 1 million yuan, it shall be It was determined to be an "especially huge amount" stipulated in Article 196 of the Criminal Law.

Baidu Encyclopedia-Civil Procedure Law of the People's Republic of China