You need to pay back every penny you owe to the bank, and the interest is getting bigger and bigger, but the bank directly deducts a penny from you, which is the most realistic phenomenon.

As for the credit cards that have been overdue for three years, and the banks don't collect and prosecute, there must be a reason for this, and the following reasons can't be ruled out: 1. The overdue amount of the credit cards is too small, and the banks don't want to look for you, so they will look for you again when the overdue amount is large

Under normal circumstances, as long as the credit cards are overdue, they will receive the dunning information from the banks or the dunning calls from the banks, so that users can.

However, some people's credit cards are overdue, and the bank does not urge them to return them or sue them. This kind of thing does exist in real life. For example, the amount of overdue credit cards is too small, and the bank simply does not want to pay attention to this matter. Credit card users should come to the door to handle it themselves, otherwise the bank will not urge them.

however, the overdue amount of this credit card is getting longer and longer, and the interest generated is getting higher and higher. When the amount is large, the bank will make a reminder and ask the credit card user to make repayment.

for example, some people still have a few cents left on their credit cards, and this arrears will accrue interest, and after a few years, all the cents will roll to several thousand yuan. When it rolled to several thousand yuan, the bank began to urge it to return, or it was a lawsuit. This is the bank. 2. Credit card users have completely changed their personal information, and their phone numbers and home addresses have been changed. The bank can't contact the credit card users

When they go to the bank to apply for a credit card, they will record their personal information, such as ID number, name, phone number, home address and so on.

However, as the credit card account has been opened for a long time, in the past ten years, the information left by the credit card users in the bank has expired, the telephone number has been changed, and even the home address has been moved, and the banking system is full of useless information.

when this kind of credit card is overdue, the dunning information and telephone number sent by the bank can't even contact the customer when the bank comes to the door. And the customer didn't take the initiative to contact the bank, so he ignored the overdue credit card and let it be.

So if this happens, the bank can't contact the customer, and the customer doesn't take the initiative to contact the bank for repayment. This overdue payment will accumulate directly year after year. 3. In fact, the bank has already collected the overdue payment, or sued the credit card user, but due to special factors, the credit card user did not appear in court

The bank has already made a reminder for this credit card, perhaps the credit card user did not cooperate with the bank at all, or did not answer the bank's reminder call at all.

Another possibility is that the credit card users have blocked the phone calls and text messages of the bank, and the credit card users simply don't know about the bank's further dunning, thinking that the bank has not made dunning.

Of course, it does not rule out that the bank has sued the court and applied for a unilateral trial. Even if the credit card user does not appear in court, the court can also make a judgment according to the specific circumstances, and the credit card user will be forced to repay the loan through the court judgment and deduct the relevant personal assets. At this time, the credit card user is not aware of it.

Summary and analysis

In short, no matter what causes the credit card to be overdue, the bank will not collect it or prosecute it. We must know that the overdue amount of the credit card will never be less, and it will only get bigger and bigger. It will be very troublesome to deal with it at that time.

always remember that the money owed to the bank's credit card will always be recorded, and the bank will contact the user sooner or later to urge the repayment of this debt, which cannot be written off over time, so it is suggested that credit card users must use their credit cards rationally.