1. The car loan credit card will be prosecuted if it is overdue for three months. If the overdraft amount reaches more than 1, yuan, and it is not returned for more than 3 months after being collected twice by the issuing bank, it constitutes the crime of credit card fraud and will be prosecuted for criminal responsibility.
2. Legal basis: Article 196 of the Criminal Law of the People's Republic of China
Credit card fraud is committed under any of the following circumstances. If the amount of credit card fraud is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 2, yuan but not more than 2, yuan shall also be imposed; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: < P > (1) using a forged credit card or using a credit card fraudulently obtained with false identification;
(2) using an invalid credit card;
(3) fraudulent use of another person's credit card;
(4) malicious overdraft.
the malicious overdraft mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.
Theft Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.
Second, what are the consequences of overdue credit cards
1. Double the fine from the date of overdue;
2, affecting personal credit information;
3. Anyone suspected of credit card fraud shall be investigated for criminal responsibility according to law.