1. What will happen if the credit card is overdue for 8 months?

If the credit card is overdue, it will not only have a 5% late payment fee for the minimum unpaid part, but also a full penalty interest on the bill (the daily interest rate is .5 ‰, and the interest will start to accrue on the day of consumption, and the interest will be recovered on a monthly basis until the principal and interest are paid off), and it will also have a bad credit record in the Credit Information Center of the People's Bank of China, so it will be difficult to apply for credit cards and bank loans in five years. If the payment is overdue for more than three months or the bank has made more than two reminders, the bank will freeze your card and list you as a prohibited customer (blacklist), and will also sue you for credit card fraud and malicious overdraft, which will be enforced by the court. If you refuse to pay back after prosecution and the amount owed exceeds 1,, the court will sentence you according to the crime of credit card fraud in Article 196 of the Criminal Law!

second, can the credit card be used normally after it has been overdue for 8 months?

You have been overdue for 8 months. Even if you have paid off now, the credit card center still thinks that your credit is seriously bad, disagrees with your continued use of the bank's credit card, and has banned you (that is, blacklisted). That's why you are required to close your account. You can choose not to close your account, because once you close your account, your personal credit record in the bank's system will permanently record the overdue repayment of this credit card account for the last 24 months, which will be recorded in the central bank's. The credit limit of your credit card should have been zero. If the validity period of the credit card is still 2 years, you can keep it and deposit a small amount of money for shopping. This will update the bad record of the bank version within 2 years, which will be helpful for you to apply for bank mortgage, credit loan and mortgage loan after 2 years. If you and your spouse don't have a loan plan in the last seven years, you can consider canceling your account.

3. What should I do if my credit card is overdue for 8 months and I am sued?

don't worry too much, just pay off the money.

when the loan amount of the lender is more than 5, and it is overdue, the bank has the right to sue the borrower.

Therefore, it is a relatively normal procedure to be sued by the bank within the time limit. However, if the borrower returns the money in time, the bank will withdraw the lawsuit accordingly, which will not have too serious impact on the borrower.

don't worry about overdue debts. One-on-one legal affairs will work out a solution for you.