A credit card is considered overdue after three days. After using a credit card, the credit card is not repaid to the bank within the specified date, that is, the credit card is not repaid to the bank on the final repayment date. Under normal circumstances, various banks will provide an additional 3-day repayment grace period for overdue credit cards after the final payment date.

What measures will the bank take if the credit card is overdue?

1. Generally, within one week to half a month overdue, there will be text message collection;

2. For more than one If the bill is not paid for more than three months or more, the bank will send relevant personnel to collect the bill;

4. For more than half a year, Yes, the bank will initiate court proceedings.

Legal basis: Article 196 of the "Criminal Law of the People's Republic of China"

The crime of credit card fraud involves one of the following circumstances: carrying out credit card fraud activities with a relatively large amount If the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years of fixed-term imprisonment and a fine of not less than 20,000 yuan but not more than 200,000 yuan. A fine of not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the sentence is to be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

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

(2) Using an expired credit card;

(3) Using it fraudulently Others’ credit cards;

(4) Malicious overdrafts.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.

Whoever steals a credit card and uses it for the crime of theft shall be convicted and punished in accordance with the provisions of Article 264 of this Law.