1. 1. For the first notification, you need to be able to accurately state your name, card number, which card you are applying for, as well as ID information and certificate number, the amount owed, how much money needs to be repaid and the final repayment The date of the deadline.

2. Call again, usually around the sixth month, to make a reminder and prepare a notice of prosecution.

3. If it is not returned by the due date, the next step will be a summons from the court, which will usually be sent to your home or the institution where you work. This needs to be signed in person.

4. Finally, the court session begins.

2. The consequences of an overdue credit card are:

1. Late payment fees: usually 5% of the overdue amount

The so-called late payment fees on credit cards refer to when the cardholder If the repayment is not made before the due repayment date (inclusive) or the repayment amount is less than the minimum repayment amount, the fees payable to the card issuer ICBC are required.

2. Overdue interest: Charged at 0.5% of daily interest

After a user uses a credit card to overdraft, the interest-free repayment period is generally about 50 days. If If the cardholder fails to pay off all overdraft fees within the specified period, all the fees incurred by the cardholder last month will no longer enjoy the interest-free treatment of ICBC, and the recurring daily interest rate is as high as 0.05%, which is the annual interest rate. reaches 18.

3. Litigation costs may be incurred

If the user fails to repay after 2 months of overdraft, ICBC will call to remind the user to repay. If the repayment is not repaid, ICBC will ask a lawyer to issue a lawyer's letter to the user. Malicious overdraft of a credit card and failure to return it after collection by ICBC will constitute the crime of credit card fraud.

4. Bringing bad credit records

For the time being, bad records can only affect personal loans, but as the credit system improves, it may also affect cardholders’ Career choice and all aspects of life. Generally speaking, the validity range of bad records is 5 years, but this time is calculated from the date the cardholder pays off the outstanding balance.

Only by maintaining a good repayment attitude will overdue behavior not occur. Otherwise, you will have to bear the corresponding overdue consequences if you are overdue. Not only will you face collections from the bank, but you may also be sued by the bank. But if If you have a good repayment attitude and contact the bank for negotiation in a timely manner, the chance of being sued will be greatly reduced, because the purpose of the bank's lawsuit is only to recover the arrears.

Legal basis:

Article 196 of the "Criminal Law" Whoever commits credit card fraud activities in any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or Criminal detention and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge Or if there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated:

(1) Using a counterfeit credit card, or Using a credit card fraudulently obtained with false identification;

(2) Using an invalid credit card;

(3) Pretending to use another person’s credit card;

(4) Malicious overdraft.