If a credit card is overdue for more than three months, you may be prosecuted. However, if the amount you owe is not large or due to other reasons, the bank will generally not sue the court directly, but will only demand repayment. If the card-issuing bank has not repaid the loan for more than three months after two collections, it may be considered a "malicious overdraft" and may result in a lawsuit in court. When banks sue overdue debtors, they will notify them in advance, giving debtors time to prepare, which is also a deterrent.

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1. Police arrest process for credit card arrears:

If you owe a credit card and meet the legal requirements, it may constitute a crime of credit card fraud and you will be arrested by the police.

Article 6 of the "Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases Obstructing the Management of Credit Cards" stipulates that cardholders who exceed the prescribed limit or prescribed period for the purpose of illegal possession If the card is overdrafted and remains unrepaid for more than three months after being called upon twice by the card-issuing bank, it shall be deemed a "malicious overdraft" as stipulated in Article 196 of the Criminal Law. Any of the following circumstances shall be deemed as "illegal possession for the purpose" as stipulated in the second paragraph of Article 196 of the Criminal Law:

1. Overdrawing a large amount of money while knowingly not having the ability to repay, unable to Returned;

2. Spend the overdraft funds wantonly and cannot return them;

3. Escape, change contact information, and avoid bank collection after overdraft;

4. Escape and transfer funds, conceal property, and evade repayment;

5. Use overdraft funds to carry out illegal and criminal activities;

6. Other illegal possession of funds, refusal The act of not returning.

2. What to do if the credit card is overdue and unable to repay:

If the credit card is overdue and unable to repay, the user should apply to the bank for negotiated repayment. During the negotiation, you must have a good attitude and show that you are not overdue maliciously. The bank will decide whether to agree to the user's negotiated repayment based on the actual situation. After the negotiation is successful, repayment will be carried out according to the negotiated agreement. If the negotiation fails, then the user can only find a way to raise money to pay off the overdue credit card balance.

After a credit card expires, overdue records will be uploaded to the credit report. The sooner the user pays off the overdue balance, the sooner the personal credit report will be restored.

3. How to recover after a credit card is suspended:

If you use your credit card improperly, you will face the risk of being suspended. Generally speaking, the card is suspended mainly due to the following reasons: Caused by: 1. The credit card itself has multiple overdue bills. In this case, if you want to restore the credit card, the cardholder must pay back all the outstanding balances on the credit card, reactivate the card, and maintain good repayment habits. Original overdue records obscure the past.

2. If a credit card is suspected of illegal cash-out behavior and is deactivated, if you want to resume using the card, you must provide all consumption invoices in the past three months and feed them back to the credit card customer service center; if you cannot provide all transaction invoices , you must also provide invoices for consumption that the bank considers disputed. The bank will review these invoices and, if approved, will reinstate or reissue the credit card.