1. After the credit card is overdue, only if it constitutes a malicious overdraft of the credit card, will it not be investigated for credit card fraud, and the bank will be accepted to report the crime and arrest the person. Generally speaking, failure to repay a credit card on time rarely constitutes a criminal case. Even if the bank reports the case and arrests the person, the police will not pay attention to them, because credit card debt disputes are basically civil economic disputes and will only evolve into criminal cases. The police will only file a case when the case is filed, so the bank calling the police to arrest someone is almost the last step in the bank's collection work.

2. The first thing you will face after an overdue credit card is the bank’s collection. Anyone who uses a credit card has formed a credit card use contract relationship with the bank. Both parties are equal civil subjects. When the cardholder is overdue, Afterwards, it is a violation of the contractual agreement between the parties and constitutes a breach of contract. In this case, the bank has the right to require the cardholder to repay in time. Therefore, after the credit card is overdue, the first thing you will face is the bank's customer service collection, which may be a text message reminder or a phone call.

1. If there is still no repayment after normal communication, the bank will ask the collection department to collect the debt, which may be by sending a lawyer's letter or by filing a lawsuit in court to request a judgment. No matter what the method is, the way to solve the problem at this stage is to use civil remedies to collect debts. Of course, it does not rule out that some banks outsource debts, and external collection companies may use violent collection methods. At this time, the cardholder Just call the police directly instead of the bank.

2. Banks will basically mention criminal liability in their normal collection methods. During the collection process, whether it is sending a text message or a lawyer's letter, the bank will usually require the cardholder to repay the loan in a timely manner. If you don't repay, what kind of responsibilities will the cardholder face? Many will also write down how many years of imprisonment they may be sentenced to. In fact, this is a kind of warning and urging in advance, and what they write is not necessarily accurate. Many of them are reminders, and some are even general warnings. The purpose is to urge cardholders to repay as soon as possible, but cardholders are never Don't take everything the bank says to heart. Because the criminal liability they mentioned is not necessarily accurate, and the behavior of the cardholder does not necessarily constitute a crime, the specific situation requires specific analysis to get an accurate answer.

3. One of the crimes of credit card fraud is caused by malicious overdrafts on credit cards. If a person who uses a credit card overdrafts a huge amount and still fails to repay the debt after repeated collections, he shall be deemed to be guilty of credit card fraud. If the standard for filing a case is met, the bank can call the police and arrest the person. Generally speaking, if the required overdraft amount is greater than 50,000, the bank has made more than two collections within three months, and the cardholder still fails to repay the loan on time, it may constitute a malicious credit card overdraft. The so-called malicious overdraft refers to the behavior of the cardholder who exceeds the prescribed limit or fails to return the overdraft within the prescribed period for the purpose of illegal possession (refuse to cooperate after more than two collections). Must go through two collections from the card-issuing bank and fail to repay the outstanding balance for more than three months. There are situations such as overdrafting a large amount of money knowing that it cannot be repaid, squandering the overdraft without paying it back, and hiding the overdraft later, etc.

4. In short, this is a matter of comprehensive consideration. There is no such thing as a bank saying that you will pay back the money quickly, and if you don’t pay back, I will call the police to arrest you. If there is any difference in details, the police will not pay attention to them.

5. Although it is not easy to constitute a malicious overdraft that constitutes the crime of credit card fraud, for cardholders with huge overdraft amounts, the bank may gradually make sufficient preliminary preparations and collect evidence materials for their lawyers to prepare in compliance with the requirements. Report conditions. It is natural to repay debts. Money must be repaid sooner or later. The bank's main purpose is to get the money. As long as the cardholder actively repays and is willing to solve the problem, usually an overdue credit card is not enough to escalate into a criminal case. However, for those who owe multiple credit cards, because overdue credit reports will be blacklisted, other banks may also reduce the limit at the same time, dynamically manage, require early repayment, etc., so the best way is to negotiate a solution and find a way to pay it off. .