1. Who to negotiate with when a credit card is sued after the deadline

1. According to China's criminal law and relevant judicial interpretations, if a credit card holder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, it is a malicious overdraft if he clearly has money but does not return it after being urged by the issuing bank. If the amount is more than 5 thousand yuan, it constitutes the crime of credit card fraud.

2. Generally, there are two situations when a credit card is overdue. One is a civil case, which does not meet the criteria for filing a criminal case, but fails to pay it back within the time limit, the bank may file a civil lawsuit. The other is criminal cases. When the cardholder owes more than 5, yuan, which is overdue for more than three months, or more than two effective collections are invalid, the bank will sue the debtor for fraud.

second, can we negotiate if the credit card is overdue?

1. It can be clearly said that it can still be negotiated after the case is filed, but the probability of interest reduction or even repayment of principal is relatively low. Whether it's telephone collection, door-to-door visit or suing the court, the ultimate goal of the bank is to recover debts and let users repay. If it can be paid off in one lump sum after filing the case, the bank will withdraw the lawsuit.

2. Therefore, if users are willing to repay, they can negotiate with them after filing a case in court, show their repayment ability and willingness, and ask them to be given a chance to repay. If you still can't repay after filing the case, you'd better take the initiative to repay part, and negotiate a new repayment plan with the bank for the rest.

Third, how long does it take to arrest people after the credit card is overdue

Considering the cost of prosecution, banks usually collect money in the early stage. If the credit card is overdue twice, or it is not returned within 3 months after overdue collection, the bank will file a lawsuit. After the case is filed, the police will come to arrest people soon. Cardholders who avoid responsibility may commit crimes.

if the overdue amount is huge, refusing to repay the loan will easily constitute the crime of credit card fraud, and then face the risk of imprisonment. If your credit card is seriously overdue and is put on file by the Public Security Bureau, the investigation period is generally about 3 days. After investigation and verification, arresting people is on the agenda.

The consequences of overdue are still very serious. If you don't handle it in time, you may face litigation risks. Contact legal counsel to solve your overdue troubles.