1. How long will it take for a credit card to be overdue before you will be prosecuted and imprisoned?

Credit cards that are overdue for more than 3 months will be considered a malicious overdraft, and the bank will sue. Cardholders who need to bear criminal responsibility will be imprisoned. If a cardholder overdrafts beyond the prescribed limit or period for the purpose of illegal possession and fails to return the money after two calls for more than three months by the card-issuing bank, it will be deemed a malicious overdraft as stipulated in Article 196 of the Criminal Law.

Malicious credit card overdrafts include frequent overdrafts, multiple card overdrafts, collusion overdrafts, overdrafts in other places, etc. Even if you are in jail, the repayment obligation still exists, and even if you get out one day, you still have to pay off the debt with interest.

2. What to do if you are sued for an overdue credit card?

If you are sued for an overdue credit card, the borrower needs to find a way to repay the debt in time to avoid more serious consequences. If it is put on hold for a long time, the borrower is likely to take some measures, which will have a great impact on the borrower's daily life.

After your credit card is overdue, you must take the initiative to find a way to resolve the debt, actively communicate and negotiate with the bank to see if you can stop the outstanding debt, and give yourself some time to raise funds. Don’t default maliciously. The consequences of a malicious default are far greater than a late credit check.

If negotiations fail and the bank refuses to withdraw the lawsuit, it is the best policy to be prepared for litigation. Don’t lose touch because the court can hold a trial in absentia even if you don’t appear in court. If it is classified as criminal liability, the next step is to face the wanted arrest by the public security department.

3. What should I do if my credit card is overdue and my credit is bad?

1. If my credit record is bad due to an overdue credit card, all outstanding debts will be automatically eliminated after five years.

2. Note that overdue records will not be eliminated immediately after the debt is paid off. Generally, system removal takes at least five years. Manual intervention and active application for elimination are not possible. However, as more good credit is accumulated in the future, the new good records will slowly cover the old bad records. It should be noted that if you fail to repay the loan after the due date, the overdue record may remain in the credit investigation.

3. Bad information will not accompany you throughout your life. If the bad information is kept for more than 5 years from the date of termination of the bad behavior or incident, it will be deleted. Within 5 years, if you think there are special circumstances, you can note the bad behavior on your credit report for reference by others who use the report.

If there are any unclear or new situations, we recommend that you call us directly for free consultation so that you can understand the communication case situation and provide you with detailed and targeted answers to avoid problems due to incomplete information and poor communication. , the answer is wrong. I wish you success in safeguarding your rights.