According to Chinese law, if you default on a credit card for three months, the amount is between more than 10,000 and less than 20,000, and the default is not malicious, you will not be sentenced. However, you need to pay attention to the following points:
1. Pay off all: Contact the bank in time and repay the outstanding credit card payment as soon as possible to ensure that all repayments are completed.
2. Negotiate repayment: If the amount is large and cannot be paid off at once, you can negotiate with the bank to formulate a repayment plan and repay the debt in installments to avoid further legal disputes.
3. Legal means: Avoid using illegal means to avoid repayment responsibilities, such as evading property seizure or concealing true income, so as not to complicate the problem and increase your own legal risks.
Summary: If you default on your credit card for three months, the amount is more than 10,000 but less than 20,000, and the default is not malicious, you will not be sentenced. However, in order to avoid further problems, you should contact the bank immediately to repay in full or negotiate a repayment plan, and it is strictly prohibited to use illegal means to evade repayment responsibilities.
Extended information: A credit card is a debit card issued by a bank. The cardholder can spend within a certain credit limit. There are legal provisions on late repayment of credit cards. Depending on the amount owed and whether the default is malicious, you may face different consequences, such as fines, impact on your credit record, etc. Therefore, it is very important to deal with overdue credit card repayments promptly and properly.
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