If your credit card is overdue by 1,000, you will be prosecuted.
No matter how much money you owe on a credit card, you can be prosecuted. If your credit card is overdue for more than 10,000 yuan, you will be prosecuted and imprisoned. This is not absolute, and it still needs to be determined based on whether it constitutes a crime. In fact, as long as the debt exceeds 10,000, you may be sued. However, it does not mean that the user will be sued by the bank if he owes tens of thousands. Although the lawsuit is related to the amount, it is not only determined by the amount owed, but also depends on the overdue time, the attitude of the debtor, etc.
In fact, there are many overdue situations, such as forgetting to repay, delayed bank transfer, malicious overdue, long-term arrears, etc. The consequences of overdue repayment will be different in each case. Some people may still be able to use the card , the person who uses it will lose the right to use the credit card forever. Here are several situations to discuss:
1. For non-malicious overdue, and the overdue time is not long, banks will generally turn a blind eye. Close your eyes, as long as you pay it off immediately after the due date, your credit card will not be frozen, so you can use the card as usual after paying it off.
2. If the overdue time is too long and the overdraft is malicious, then generally if the credit card is not repaid for more than 3 months, the bank will freeze the credit card, and it may not be able to be used after repayment. credit card. However, it is best to contact your credit card customer service to see if it can be unfrozen.
If the credit card debt is in arrears for a long time, according to the law, the bank has the right to file a civil lawsuit and require the other party to immediately bear the responsibility for repayment. This is not directly related to the overdue amount. No matter how much the overdue amount is, it can be resolved through litigation. Moreover, after obtaining an effective judgment from the People's Court, you can also apply to the People's Court for compulsory execution.
Legal basis:
"People's Republic of China and Civil Code"
Article 667
Loan Contract It is a contract in which the borrower borrows money from the lender and returns the loan and pays interest when due.
Article 668
A loan contract shall be in writing, unless otherwise agreed upon for a loan between natural persons. The content of a loan contract generally includes terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.
"Criminal Law of the People's Republic of China"
Article 196
Under any of the following circumstances, the amount of credit card fraud shall be If the amount is huge or there are other serious circumstances, the sentence shall be fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years of fixed-term imprisonment and a fine of not less than 50,000 yuan. If the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than 10 years of fixed-term imprisonment or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:
(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;
(2) Using an expired credit card;
(3) Pretending to be Using other people’s credit cards;
(4) Malicious overdraft.
The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.
Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.