1. If the credit card money is not paid, you can apply to the bank for minimum repayment or deferred repayment.
2. If the overdraft amount is more than 5, yuan for the purpose of illegal possession, and it is not returned for more than 3 months after the card-issuing bank has made two reminders, it is suspected of malicious overdraft and needs to bear corresponding legal responsibilities.
3. In case of overdue behavior, it is recommended to pay off the arrears in time.
Consequences of being sued for overdue credit card
1. The bank's continuous dunning
(1) When the borrower's overdue repayment occurs, the bank's credit card customer service center will first notify it by phone several times;
(2) If the payment is still unpaid, the bank will entrust a third party to collect it, usually by continuous phone calls, text messages or even home calls; After repeated reminders, the bank will sue the court.
2. If the cardholder is sued by the bank, he can't get a loan
The cardholder will be added to the credit blacklist and can't get a loan, and the court will make a collection. After receiving the court summons, he will be urged to repay the loan after investigation and persuasion, but if the cardholder refuses to repay the loan, the court can take compulsory enforcement; Subsequently, the court will realize the cardholder's assets to repay the card debt and freeze the related property.
3. Malicious default, facing imprisonment and fines
Legal basis
Article 196 of the Criminal Law
In any of the following circumstances, credit card fraud activities are carried out, and the amount is relatively large, and they shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan.
if the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan or his property shall be confiscated:
(1) using a forged credit card or using a credit card fraudulently obtained with false identification;
(2) using an invalid credit card;
(3) fraudulent use of another person's credit card;
(4) malicious overdraft.