1. Which bank is most likely to sue for overdue credit cards?

Agricultural Bank of China, Shanghai Pudong Development Bank, China Merchants Bank, Industrial Bank, and CITIC currently have the highest prosecution rate. , especially the Agricultural Bank of China, the bank will sue for even a few thousand yuan. The other four banks will also be sued if they are overdue for more than three months. Therefore, you must pay attention and never underestimate these banks. Therefore, before the bank sues, you must proactively contact the bank to indicate your actual situation and that you are not maliciously overdue. Apply for personalized installment repayment, otherwise you will be sued. , the cardholder will lose the interest exemption and penalty interest on suspension of interest payments and liquidated damages.

What to do if a bank sues a bank for a three-month overdue credit card?

If a bank sues for a three-month overdue credit card, you should actively participate in litigation activities and actively negotiate with the other party to resolve the issue at this stage.

Actively cooperate with the court and the card-issuing bank and strive to pay off the debt through negotiation. If a bank loan is overdue for more than 90 days, the bank will sue. If a bank files a lawsuit in court, after the people's court makes a judgment, the borrower should actively perform its repayment obligations. If it refuses to perform, the bank can apply to the court for compulsory execution. During this period, the court will seal up and detain the borrower's property. Once a personal bad credit record occurs, it will first affect your loan application.

3. What will happen if your credit card is overdue for three months?

1. Bear civil or criminal liability.

If a credit card is overdue for three months, you may be subject to civil liability or criminal liability. Generally, if the overdue amount is not serious, you will be subject to civil liability, and you need to repay the principal and interest of the credit card debt. If you fail to repay more than 10,000 yuan after repeated calls from the bank, you will definitely be held criminally responsible.

2. Go to the credit bureau.

If a credit card is overdue for three months, it will definitely be reported to the central bank’s credit reporting system. If it is listed in the central bank’s credit reporting system, it will affect future loans such as car loans and housing loans. If The record of not paying off the overdue debt will remain and will not be restored until five years after the debt is paid off.

Credit card overdrafts must be repaid before the limited repayment date. If the cardholder simply forgets the repayment date, as long as the repayment is within the grace period of the credit card, it will be regarded as normal repayment, but something happened. Overdue behavior, if the overdue time is more than three months, and the bank has repeatedly called for payment from the cardholder but has not actively repaid, then the bank will sue the cardholder.