1. Is the overdue credit card a civil dispute?

generally, it belongs to civil disputes. In order to prevent overdue records from seriously affecting personal credit information and being sued by the credit card center, users are advised to pay off overdue debts as soon as possible. If they are unable to repay, they can apply to the credit card center for negotiated repayment. If the negotiation repayment fails, users can find ways to collect money for repayment. Only when the overdue arrears are paid off, personal credit information and online loan big data will return to normal. Before the user's credit information and online loan big data return to normal, the user will not be able to handle other credit businesses, and even if he submits a loan application, he will not be able to pass the loan review.

second, will the bank sue you for overdue repayment of your credit card?

Generally speaking, if a credit card is overdue, it may encounter the following consequences:

1. If it is not repaid in time, it will affect the personal credit record. This is the first thing. If it is overdue, it will be bad faith.

2. Once there is a bad record in personal credit information, it will affect future matters including various loan applications, credit card applications and even going abroad. This is not a problem that affects the continued credit card swiping.

3. If the arrears are not repaid for a long time, there will be not only high late fees and interest;

4. The bank may also classify this part of the arrears as malicious overdraft, that is to say, malicious overdraft, and the bank will have the right of judicial prosecution against cardholders who fail to repay for a long time.

5. In practice, after handling the credit card, if it is overdue for more than three months or the bank has made more than two reminders, the bank will freeze the card and list it as a prohibited customer, and then the bank will sue in court.

3. How long is the overdue credit card blacklisted?

1. As long as it is overdue for more than 9 days, it is generally a black account, which is the standard of most banks.

2. Under normal circumstances, if the personal credit card bill is overdue, the bank will collect the debtor in accordance with relevant regulations in the first three months.

3. If the collection is successful within these three months. Then the bank will not take the next step of collection. If the bank fails to collect the credit card within three months, then according to the law, if the credit card is overdue for three months and fails to collect it, the bank can take legal proceedings.

Credit card overdue is a type of civil dispute. If the overdue situation is serious, and there is malicious overdue behavior or malicious overdraft, you may have to bear certain criminal responsibility while repaying. For the trial results made by the court, the borrower needs to strictly abide by and implement them.