1. Is it true that the credit card is overdue by 15, yuan?

Generally speaking, if the cardholder's credit card is overdue by 15, yuan, even if he is sued, he will not go to jail. First of all, the overdue amount is not very large. Even if you are sued by the bank, it will be regarded as civil liability at most. Moreover, the bank's prosecution depends on the overdue time. In the first three months, cardholders are more likely to receive short messages or phone calls, and they will not be sued directly by the bank if they are overdue.

whether you will go to jail or not, besides whether the cardholder has malicious overdue behavior, there is also the overdue amount. The minimum overdue amount of credit card fraud should also be 5, yuan. If the credit card bill owed by the cardholder does not exceed 5, yuan, and the cardholder really cannot repay the bill, there is no illegal operation such as overdraft when using the credit card. Then even if the bank sues the cardholder, it will not go to jail, and at most, it may list the cardholder as a untrustworthy person.

2. What should I do if my credit card is overdue by 15, yuan?

1. When we receive the news of being sued, we should confirm whether there is a written notice of prosecution. It should be noted that the notice of prosecution will describe the time and place of the court session in detail. Therefore, just receiving SMS notification is not enough to determine the authenticity.

2. There is really no way to solve the overdue problem in a short time, so at least keep the phone open, or take the initiative to contact the bank to show the cardholder's current economic situation and repayment willingness. We can communicate with the bank and repay the arrears by installment, so that our repayment pressure will be less.

3. We should face it positively. Generally speaking, there is room for negotiation in civil litigation, and friends should take the initiative to negotiate and communicate. If we can show the intention of repayment and there is no serious breach of contract, the court will handle it according to the situation.

Third, will the credit card overdue by 15, yuan come to the door?

It may not come to the door. Door-to-door collection is not an easy collection method for banks. It requires the cardholder's accurate address, door-to-door personnel, travel expenses, time and so on, so door-to-door collection is the last collection method before prosecution. So it doesn't mean that you will come to the door for collection when it is overdue. When the credit card is overdue, the bank will collect it by SMS and telephone. Usually it is three months overdue, and about 9 days later, the bank staff are arranged to collect money at home.

even if it is overdue for 15, yuan, as long as the overdue time is not long, banks will not rush to collect money at home, and more are

phone calls and text messages.

Having said that, it's clear to everyone whether it's true that the credit card is overdue by 15, yuan. Although you may be prosecuted for overdue by 15, yuan, as long as there is no criminal act, you won't go to jail.

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication case and give you detailed and targeted answers, so as to avoid incorrect answers due to incomplete information and poor communication.