If a credit card is seriously overdue (not repaid for 90 days), you can file a lawsuit in court, and there is no need for the public security agency to file a case.

If it is overdue for more than 90 days, file a lawsuit in court:

① According to the provisions of the loan contract and guarantee contract (mortgage or pledge contract), the lending bank will file a lawsuit in court, and the court will take property Preservation and other measures include freezing deposits in all bank accounts of lenders and loan guarantors, seizing mortgaged properties, etc.

② After the judgment is made, the property will be enforced according to law (withholding of deposits, auction of mortgages, etc.) to repay the bank's loan losses.

③ Specifically includes: loan principal, loan interest, overdue interest and penalty interest, as well as all resulting litigation costs, related costs incurred when disposing of mortgage (pledge) properties and realizing them, etc.

Extended information:

Late repayment

Generally speaking, each bank will charge a certain amount of interest for overdue repayment, and each bank is different. , usually an interest of 0.05%. However, the interest accrual date is calculated from the date of consumption, not the date after the final repayment date.

It is recommended that if the entire limit is not met, you can pay the minimum repayment amount first, which will not affect your credit limit. At the same time, there will be a buffer period to facilitate the bank to understand the capital flow of your account in a timely manner. Freeze the account!

When a credit card (credit card) holder chooses the minimum repayment method or uses the card beyond the credit limit approved by the card-issuing bank, he will no longer enjoy the interest-free repayment period and must pay the unpaid portion of the loan. Overdraft interest is calculated based on the prescribed interest rate from the bank accounting date. ?

Baidu Encyclopedia-Overdue Repayment