1. What will happen if the credit card is overdue for 9, years

1. The cardholder subjectively has no malicious overdue situation (such as illness, hospitalization, unemployment, etc.). Even if the bank files a lawsuit with the court, the cardholder does not have to bear criminal responsibility and will not go to jail, because this is a civil dispute case and does not involve criminal offences.

2. The cardholder has the ability to repay the credit card debt, but there is no actual repayment behavior. What is more serious is the civil lawsuit and the demand for compulsory repayment, resulting in high penalty interest and credit information, and even being listed by the court on the old list, and the assets will be forcibly auctioned.

2. How to talk about the reduction and exemption of overdue credit cards

Cardholders can negotiate with the bank and apply for suspension of interest:

1. If the application is successful, there will naturally be a reduction and exemption, and the subsequent arrears will no longer generate interest. As long as the cardholder really doesn't have the repayment ability,

if he doesn't pay back on time intentionally, the bank may agree. However, there is one detail that needs attention. The interest generated by the previous arrears is still recorded on the bill together with the principal, and will not be exempted. The cardholder must pay it off on time.

2. If the application fails, the cardholder can only find another way to borrow money from relatives and friends, so as to pay off the credit card debt as soon as possible and avoid being sued by the bank.

3. How to pay back the money when the credit card is cancelled

1. You can first try to transfer the money in your savings card to the credit card through the mobile banking client or online banking.

2. If it is impossible to transfer money, the cardholder can only bring his credit card and personal ID card to the bank branch near where he lives and ask the staff at the counter for repayment.

3. Of course, if the cardholder has no time and feels it is troublesome to go to the bank, he can also call the bank's service hotline to transfer to customer service and ask the other party to help provide a new repayment channel.

I would like to remind you that since the credit card has been cancelled, it is estimated that it will be difficult to recover it after repayment, and it will be difficult to quickly repair the damaged credit due to overdue, so we should develop the good habit of repaying on time to avoid overdue.

In a word, it is possible to be sued by the bank if the credit card is overdue for 9, years. Cardholders should repay all the arrears as soon as possible. If they really can't pay off the bill in full, they should actively communicate and negotiate with the bank to strive for a repayment plan acceptable to both parties.

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.