1, penalty interest and penalty interest generally occur. The amount of penalty interest is different from the interest generated by different financial institutions. The interest rate for overdue credit cards is 0.5%, and the penalty interest is interest-bearing.
2, credit stain, once the credit card is overdue, the bank will report your overdue record to the central bank's credit information system. Once the record is generated, your personal credit report will leave a stain. It will form a lot of resistance to your future loan and credit card applications.
3. Can't enjoy the preferential loan interest rate. As we all know, when you apply for a loan from a bank, the loan interest rate will fluctuate to varying degrees, and high-quality customers can usually get the lowest loan interest rate. Users with overdue records, even if they apply for a loan, want to enjoy preferential interest rates, basically daydreaming.
If the bank sends a lawyer's letter, it will be prosecuted by the court. If the bank has been in arrears, it will make representations to the court, and the court will take measures such as industrial preservation, including freezing deposits in all bank accounts of lenders and loan guarantors and sealing up pledged industries.
After the judgment is made, it will be enforced. After the judgment is made, it will be enforced according to law (deducting deposits, auctioning collateral, etc.). ) to repay the bank's loan losses. Specifically, it includes: loan principal, loan interest, overdue interest and penalty interest.
Reference case:
The man was arrested for maliciously overdrawing his credit card. Is it rich?
Zhang Hua (pseudonym), a man, applied for a credit card with a credit limit of 2 1 1,000 yuan in a bank. After the overdraft, Zhang Hua failed to repay many times, and Zhang Hua owed a lot of money. The bank staff repeatedly called and texted for collection, but Zhang Hua always evaded repayment on the grounds of no money. In the case of unsuccessful contact with Zhang Hua, the bank staff reported the case to the Public Security Bureau.
The Economic Investigation Brigade of the Public Security Bureau repeatedly communicated with the suspect Zhang Hua's family by telephone, explaining the possible serious consequences of malicious overdraft of credit cards, and told Zhang Hua's family that bank credit card funds were protected by national laws, hoping that his family could persuade Zhang Hua to surrender and pay back the money as soon as possible. However, Zhang Hua still refused to show up.
The Economic Investigation Brigade of the Public Security Bureau finally captured Zhang Hua by tracing the suspect's activity track in the early stage. After investigation, Zhang Hua, an office worker, saw that many acquaintances and friends around him had a splendid life, but it was too difficult for him to spend too much money. To this end, he handled credit card overdraft consumption in the bank and became a "rich man". But Zhang Hua's normal income alone is unable to repay, and he simply becomes Lao Lai.
Zhang Hua was criminally detained by the Economic Investigation Brigade of the Public Security Bureau on suspicion of credit card fraud, and the case is still being further processed.
Baidu Encyclopedia _ Credit Card Collection? People's Daily Online _ The man was arrested for maliciously overdrawing his credit card as a rich man.