The number of days for an overdue credit card to be charged depends on the specific circumstances. Generally speaking, banks will take collection measures after customers overdue credit card repayments, including sending collection letters, telephone reminders, door-to-door collections, etc. If a customer fails to repay for a long period of time or is unable to reach a repayment agreement, the bank may refer the case to a law firm, which may ultimately lead to litigation.
The following is a detailed explanation of this issue:
1. Overdue time limit: Banks usually define credit card overdue as a period of time after the repayment deadline exceeds the minimum repayment amount. The most common overdue period is 30 days, but not all banks are the same. Some banks may take legal action after 15 or 60 days.
2. Collection procedures: After the payment is overdue, the bank will usually first call, text or letter to remind the customer to repay the loan in a timely manner, and may require the customer to make up the amount owed and pay late fees. If the customer still fails to fulfill his repayment obligations, the bank may send collection personnel to collect the outstanding balance.
3. Transfer to lawyer: When collection measures fail, the bank may hand over the overdue account to a law firm. The law firm will further contact the client and seek a solution, such as a repayment plan or settlement agreement. If the customer cannot reach an agreement or breaches the agreement, the bank may choose to file a lawsuit.
Summary: There is no clear fixed period for how many days a credit card will be overdue before you will be prosecuted. In China, this situation will vary from bank to bank. Generally speaking, banks will first take collection measures after the payment is overdue. If the customer still fails to meet his repayment obligations, the bank may hand over the case to a law firm and may eventually file a lawsuit. It is recommended to make timely repayments to avoid overdue payments.
Extended information: Overdue credit card repayments may have a negative impact on your personal credit record, and you may be restricted when applying for loans, credit cards and other financial services. If there is an overdue situation, you should contact and communicate with the bank as soon as possible to find a solution and pay off the debt as soon as possible.
Note: The above answers are for reference only. The specific situation should be based on bank policies and personal contracts. If necessary, please consult relevant professionals or lawyers for legal consultation.