The following small series will give you detailed answers. If you have other related questions, you can consult a professional lawyer.
1. Will the bank sue you if you owe your credit card to the bank and have no repayment ability?
1. If the credit card is not returned, the bank will usually sue. However, there are preconditions. Generally, it is overdue for more than three months, and it can only be carried out directly after reaching the corresponding amount. As long as it reaches a certain amount, it can be considered a crime.
2. In case of overdue, if you can actively negotiate with the bank on repayment methods, such as applying for installment repayment and deferred repayment. It shows that you have a strong sense of repayment, and the general bank will not sue yourself.
3. Once overdue, overdue bad records will be recorded in personal credit records. If you don't pay it back all the time, it will enter the blacklist and affect your personal credit record.
2. What happens when a credit card is sued for overdue?
1, continuous dunning by the bank
(1) When the borrower's repayment is overdue, the customer service center of the bank credit card will call several times first;
(2) If the payment is still unpaid, the bank will entrust a third party to collect it, usually through continuous telephone calls, text messages or even door-to-door collection;
(3) After repeated dunning, the bank will sue to the court.
2. Being sued by the bank, unable to apply for a loan.
Cardholders will be added to the credit blacklist and cannot apply for loans. The court will collect the loan. After receiving the court summons, after investigation and persuasion, urge the cardholder to repay. However, if the cardholder refuses to repay, the court can take enforcement. Subsequently, the court will realize the cardholder's assets to repay the card debt and freeze the related property.
3. Malicious breach of contract, facing imprisonment and fines.
(1) A credit card overdue for three months can be regarded as a malicious overdraft penalty, but if you communicate with the bank in advance to prove your repayment ability and repayment plan, you will generally not face criminal responsibility.
(2) However, the cardholder who refuses to return the card after the court's judgment may face the consequences of three years' imprisonment and a fine if the circumstances are serious, especially if the circumstances are serious, he will face a longer imprisonment of three to seven years and pay a fine.
3. How to negotiate the installment after the credit card is overdue?
1. Under normal circumstances, after the credit card is overdue, you can also negotiate with the bank to repay it in installments.
2. However, the premise is that the credit card holder does not maliciously evade the bank's collection after the deadline, and actively negotiates with the bank after the deadline and explains the reasons for the overdue credit card bill to the bank. If the cardholder maliciously evades overdue debts, then it is impossible to negotiate repayment with the bank.
Bian Xiao reminds you that whether the credit card will be prosecuted depends on the individual's actual attitude. If the bank knows that its repayment attitude is still very tough, then the probability of prosecution is relatively small. However, if it keeps avoiding the bank and does not contact the bank, the bank will think that it is deliberately not repaying, so it is possible to directly sue if it does not repay after a certain period of time.