I have a credit card worth RMB 10,000 and I haven’t paid it back in five or six months. Will I be jailed?

You must repay the credit card as soon as possible after swiping the card. If you are overdue for more than three months or have not repaid the bank's reminders more than twice, the bank will freeze the credit card and classify you as a prohibited customer (blacklisted customer). list), and will also sue you for credit card fraud and malicious overdraft, and the court will enforce it. If you refuse to repay after prosecution and the amount owed exceeds RMB 10,000, the court will impose a sentence based on the crime of credit card fraud in Article 196 of the Criminal Law:

Article 196 of the Criminal Law stipulates that under one of the following circumstances, credit card fraud is committed If the amount is huge or there are other serious circumstances, the sentence is to be not less than five years but not more than 10 years of fixed-term imprisonment or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan; If the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

Using a forged credit card, or using a credit card fraudulently obtained with false identification;

Using an expired credit card;

Pretending to use another person’s credit card;

Malicious overdraft.

Of course there is, and it has a serious impact.

If you are overdue, you will not only be charged a late payment penalty of 5% for the minimum unpaid portion, but also a penalty interest on the full amount of the bill (a daily interest rate of 0.5%, interest will be calculated starting from the day of consumption, and the interest will be charged monthly until the principal and interest are paid off). It will produce a bad credit record in the Credit Reference Center of the People's Bank of China, which will seriously affect your application for credit cards and bank loans within 5 years.

If you are overdue for more than three months or fail to repay more than two bank reminders, the bank will freeze your card and list you as a prohibited customer (blacklist). Will I go to jail if my credit card with a limit of RMB 10,000 is overdue for more than a year?

Overdue fees and interest will be incurred, and it will also affect my personal credit score. I think I will not go to jail. I have a credit card worth RMB 10,000, what is the cash withdrawal limit?

Usually you can withdraw half of it in cash. Hello, I have a credit card worth RMB 10,000 that is overdue for three months. Will I be arrested and go to jail? Negotiate with the bank

If it is a China Merchants Bank credit card, if you have any consumption, please repay it on time and in full before the due date. First of all, overdue repayment will generate a bad credit record, which will affect your personal credit and future credit business, such as loans. Secondly, overdue repayment will generate interest and late fees. Finally, failure to repay for a long time may violate criminal laws, and our bank will reserve the right to pursue prosecution. right.

How to delete your credit record when you have applied for a credit card for five to six months but haven’t downloaded the card

If you haven’t downloaded the card, it will not affect the record. What is recorded is only the card application record and your credit record. It doesn't matter at all. I owe more than 12,000 to my transportation credit card for six months. If I haven't paid it back for six months, will I go to jail?

First of all, your problem is already serious. If your credit card is overdue for three months, it is particularly serious. Can you pay it back? It’s been six months and there are still more than 10,000. The amount is huge and can be considered a crime of financial fraud. You should find a way to pay it back as soon as possible. Secondly, if you are overdue for six months, it will be impossible for you to get a credit card, mortgage, house or car. I have a one-year loan. Can I increase my credit limit by 50,000 to 50,000 if I need it urgently?

It is impossible for a bank to increase your credit limit by that much. I suggest you consult at the bank counter to see how much the limit can be increased. Will I go to jail if I haven’t paid off my credit card for more than a year?

If the credit card debt is more than 10,000 yuan and is overdue for more than 3 months or the bank has not paid off the debt twice, it is a crime of credit card fraud. After the bank reports the crime, you will go to jail if caught.

If the credit card debt is less than 10,000 yuan, it is a civil case, and the bank can go to court to sue the cardholder.

I have a credit card worth RMB 10,000 that I haven’t repaid for 6 months. I received a call today and asked me to make a one-time payment.

I suggest you call the credit card center and tell them your repayment ability and make a repayment plan. Don’t lose contact with your loan plan or fail to repay a penny. I haven’t paid off my credit card for half a year. I have one worth ten thousand and one worth five thousand. What will happen if I don’t pay back my credit card?

First, the card will be frozen, and then you will receive a summons from the court or come to a law firm. Debt collection letter