Legal subjectivity:

The perpetrator uses a transportation credit card for the purpose of illegal possession, overdrafts beyond the prescribed period, and fails to return the money after two effective collections by the card-issuing bank for more than three months. , it is possible to be prosecuted. The above-mentioned behavior of the perpetrator has constituted the crime of credit card fraud. Regarding the issue of how long it will take to be prosecuted for traffic and overdue credit cards, the editor of the website below will give you detailed answers. 1. How long will it take for a transportation credit card to be overdue and how to be prosecuted? 1. If the perpetrator uses a transportation credit card for the purpose of illegal possession, overdrafts beyond the prescribed period, and fails to return it for more than three months after two effective collections by the card-issuing bank, he may be prosecuted. According to the prosecution, the perpetrator's aforementioned behavior constituted the crime of credit card fraud. 2. Legal basis: "Interpretations of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases Obstructing the Management of Credit Cards" Article 6 If a cardholder exceeds the prescribed limit or overdraws within the prescribed period for the purpose of illegal possession, the card shall be If the bank fails to repay the money more than three months after two effective calls, it shall be deemed as a "malicious overdraft" as stipulated in Article 196 of the Criminal Law. Whether the purpose of illegal possession is for illegal possession shall be determined based on the cardholder's credit record, repayment ability and willingness, status of applying for and overdrafting the credit card, purpose of overdraft funds, performance after overdraft, reasons for failure to repay as required, etc. judge. The purpose of illegal possession shall not be determined solely based on the fact that the cardholder failed to repay the loan as required. 2. Prosecution process 1. When a party files a lawsuit, it must first submit an indictment and submit a corresponding number of copies according to the number of opposing parties. 2. According to the principle of "whoever makes the claim must provide evidence", the plaintiff should submit the following materials to the court: Materials on the plaintiff's subject qualifications; Evidence to prove the plaintiff's litigation claims. 3. When parties submit documentary evidence to the court, they should fill in two copies of the evidence list, detailing the name and page number of the evidence submitted. After the evidence is verified by the court handler, the handler will sign and seal the evidence list. One copy will be handed over to the parties and the other will be filed. 4. The case-filing tribunal will handle the case-filing procedures within seven days after the parties have completed the necessary procedures and submitted relevant evidence materials. Those who meet the conditions for case-filing will be processed; for those who do not meet the conditions for case-filing, it will rule not to accept the case in accordance with the law. 5. The parties concerned shall prepay the case acceptance fee and other litigation fees within seven days from the date of receipt of the acceptance notice. If they are really in difficulty, they may submit a written application to this court for reduction, deferment or exemption of payment within the prepayment period. If the case is overdue, If you fail to pay or if your written application for deferment, reduction or exemption of payment is not approved and you still fail to pay in advance, this court will rule as automatically withdrawing the case. 6. After the case filing procedures, the case will be scheduled for hearing by the court. The parties concerned should obey the various work arrangements of the court and go to the finance office to settle the litigation expenses after the case is concluded. Any excess will be refunded and any less will be compensated. The specific matters for prosecution need to be handled strictly based on the procedures and requirements stipulated in the above-mentioned laws. In particular, the specific matters identified in different case-related situations are different. If you are not clear about the handling of related matters, you can consult A lawyer will make legal determinations on specific matters related to prosecution. I hope the above content can be helpful to you. If you have other questions, you can click the button below for consultation, or go online to consult a professional lawyer. Legal objectivity:

Article 676 of the "People's Republic of China and Civil Code"

The borrower fails to return the loan within the agreed time limit , overdue interest shall be paid in accordance with the agreement or relevant national regulations.

"Article 678 of the People's Republic of China and Civil Code"

The borrower may request the lender before the expiration of the repayment period. Apply for extension;

If the lender agrees, it can be extended.

"People's Republic of China and Civil Code"

Article 667

A loan contract is a loan contract between the borrower and the lender. A contract to return borrowed money with interest.