The money owed to the credit card will not have a series of consequences. First, there will be overdue penalty interest and no interest-free period. Moreover, it will affect personal credit information, and it is difficult to apply for credit cards or loans later; Third, banks will continue to make dunning, including text messages, telephone calls and door-to-door dunning. In the end, it may be discovered by the bank. If the money has not been paid back, personal assets will be seized, or an auction will be held to force the money to be paid back, or even face jail.

You don't have to go to jail for the money owed to your credit card, because the criminal law stipulates that if the cardholder overdraws beyond the prescribed limit or fails to return it after being urged by the issuing bank within the prescribed time limit, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, it shall be punished for more than 10 years until a fine of not less than 50,000 yuan but not more than 500,000 yuan or confiscation of property.

If the cardholder is forced to pay back, but still refuses to pay back, he will become a "lazy man" and have a serious adverse impact on the social and financial order. The Supreme Law Joint Department has taken the following measures against such people:

1. Restrict untrustworthy people from taking high-level seats on planes and trains; 2. Freeze its financial management account; 3. Restrict exit and high consumption; 4. Restrict lending or handling credit cards in financial institutions; 5. The credit card already held will be cancelled and the applied loan will be frozen; 6. Expose personal information on the big screen in public places; 7. Customize the exclusive color ring back tone for Lao Lai and so on.

Advantages and disadvantages of credit cards:

1, advantages:

Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is enough to return the consumption amount on time.

You can spend without deposit overdraft, and enjoy an interest-free period of 20-56 days to repay on time without any charge (most banks will charge 0.5% interest on the day of cash withdrawal, and there will be a 2% handling fee, but ICBC will only charge interest).

It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.

Special merchants who hold cards in banks can enjoy preferential treatment.

Accumulate personal credit, add credit records to credit files, and benefit for life.

Access to the whole country is barrier-free, and you can withdraw money or spend money by credit card on ATM and POS machines with UnionPay logo; (Note: Credit cards are only suitable for credit card spending. It is best not to withdraw cash, which is expensive and uneconomical. )

Credit card spending, some credit cards get existing points, and various discounts and lottery activities throughout the year, so that you can always have surprises as long as you use the card; (Most credit cards have no points for online payment, but online payment is very convenient and fast. )

Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently; (Now advocating environmental protection, you can cancel the paper statement and change it into an electronic statement. )

Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenses.

The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.

400 telephone or 5-digit short number prefixed with "9" provides 24-hour service, and the report of loss takes effect immediately, with zero risk of card loss.

Validity period: It is known that the validity period of domestic credit cards is generally three to five years.

Use the third-party platform (the domestic platform supporting credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services for cardholders.

2. Disadvantages:

The invention of credit card is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of issuing credit cards is to make money. Once the interest-free repayment time is exceeded, high interest will be charged, usually five ten thousandths of interest per day.

Blind consumption of credit cards is not like paying cash in a lump sum. I don't feel anything when I brush. A few figures lead to blind consumption and spending money like water.

Excessive consumption of notebooks, digital cameras and smart phones, while enjoying your favorite items in advance, you should also consider whether you can repay them.

High interest If you can't get a credit card and can't repay on time when the final repayment date comes, the bank will charge you high interest. (The minimum repayment amount of a credit card in the first month shall not be less than10% of the overdraft amount in the current month) [8]

Credit cards that need to pay an annual fee basically have an annual fee, but they basically have an annual fee-free policy. For example, CCB can be exempted as long as it is brushed three times a year; But if you don't swipe your card to the bank the specified number of times within a year, you need to charge an annual fee.

Stealing a credit card is basically a default credit card consumption without password, which is easy to be stolen by others when it is lost or stolen, causing unnecessary trouble or loss; But in fact, credit cards can also be charged by passwords-it depends on how you manage your credit cards. Of course, many people have not cancelled their credit cards because of their lack of experience in this field, and some lawless elements have reapplied for credit card overdraft, which is not worth it.

Long-term malicious arrears that affect personal credit records will naturally affect personal credit records and even be blacklisted by banks. If you want to borrow money from the bank to buy a house and a car in the future, you may be rejected by the bank.

CCTV reported that a cardholder received a bank bill several months after paying off all debts and canceling his credit card, and what happened afterwards made him miserable. This article named "Unknown Credit Card" exposes the disadvantages of current credit cards.

Although credit cards have an interest-free period, they are only for credit card consumption. There is no interest-free period for cashing, and a handling fee is charged.

What about credit card arrears?

What about credit card arrears?

What will happen to credit card arrears? Credit cards are basically available to everyone. With the development of economy, credit cards have entered everyone's wallet. This consumption habit of paying back the money first has been accepted by people. Let's take a look at the consequences of credit card arrears and related information.

What will happen to credit card arrears? 1

Consequences of non-repayment of credit card debt:

1. The debtor shall pay extra overdue interest and liquidated damages.

2. The debtor's personal credit report may produce bad records.

3. It may be enforced after taking it.

legal ground

Article 241 of the Civil Procedure Law of People's Republic of China (PRC).

If the person subjected to execution fails to perform the obligations specified in the legal document according to the execution notice, it shall report the current property situation and the property situation one year before the date of receiving the execution notice. If the person subjected to execution refuses to report or makes a false report, the people's court may, according to the seriousness of the case, impose a fine or detention on the person subjected to execution or his legal representative, the principal responsible person of the relevant unit or the person directly responsible.

Article 242nd of the Civil Procedure Law of People's Republic of China (PRC)

If the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people have the right to inquire about the deposits, bonds, stocks, fund shares and other property of the person subjected to execution from the relevant units. The people have the right to seal up, freeze, transfer or change the property price of the person subjected to execution according to different circumstances. The property inquired, sealed up, frozen, transferred or changed by the person subjected to execution shall not exceed the scope of obligations that the person subjected to execution shall perform.

What will happen to credit card arrears?

1. If the credit card fails to repay for a long time, it will be punished by the bank. If the principal overdraft exceeds 1 10,000, the bank still refuses to repay, and may be subject to criminal punishment. The legal basis is as follows:

According to the Interpretation of the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management (Fa Shi [2009]19):

Article 6 If the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than 3 months after being repeatedly urged by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196. Malicious overdraft, the amount is more than 6,543,800 yuan but less than 6,543,800 yuan.

It should be recognized as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 654.38+10,000 yuan and less than 1 10,000 yuan, it shall be deemed as "huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 6,543.8+0,000 yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.

The amount of malicious overdraft refers to the amount that the cardholder refuses to return or has not returned under the conditions stipulated in the first paragraph. Does not include compound interest, late fees, handling fees and other fees charged by the issuing bank.

2. Article 196 of the Criminal Law, in any of the following circumstances, if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or a fine of not less than 20,000 yuan but not more than 200,000 yuan; 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 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.

What will happen to credit card arrears?

1. What happens if you owe your credit card?

If the credit card does not repay, there will be the following consequences:

1, high interest and late fees

If the cardholder fails to repay the credit card, he will no longer enjoy the interest-free period of the credit card, and will charge 0.5% interest every day from the date of consumption, and compound interest will be calculated monthly. If you owe tens of thousands of yuan in less than a few days, you will generate thousands of yuan of interest, and the longer the time, the higher the interest.

If the credit card fails to repay in time after the interest-free period, the bank will charge the credit card holder a late fee, accounting for 5% of the unpaid minimum repayment amount. After a certain period of time, the bank will charge the cardholder a higher penalty interest.

2. Personal credit stain

As long as you have applied for a credit card or loan, you will know how important your personal credit record is. It will be very difficult to apply for a credit card once your credit history is tainted. This is not the most troublesome. Worst of all, if you want to buy a house with a credit stain in the future, the loan amount of a mortgage will be less than others' interest rate, but higher than others' interest rate. If it expires, the bank won't lend it to you.

3. The credit card has been stopped.

If the credit card is not repaid, the bank will withdraw the revolving credit given to the cardholder and the credit card will be deactivated. For those who owe money for many times or for a long time, the bank will think that the cardholder's repayment risk is high, and will stop using the credit card and recover the arrears from the cardholder. If the bank still can't repay the credit card debt, the bank can apply for auctioning other fixed assets of the cardholder.

4. Malicious arrears will be sentenced.

If the credit card is overdue for more than three months, it will be regarded as malicious overdraft and the bank can initiate judicial proceedings. China's criminal law stipulates that if the credit card overdraws more than 50,000 yuan and the debt lasts for more than 3 months, the judicial organ will take corresponding measures (criminal detention of less than 50,000 yuan) if it refuses to repay after being urged by the bank for more than 3 times.

Second, the amount required for suspected credit card crimes.

According to the "Decision on Amending the Interpretation of Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management", if the amount of malicious overdraft is more than 50,000 yuan but less than 500,000 yuan, it is deemed as "a large amount"; If the amount is more than 500,000 yuan but less than 5 million yuan, it is deemed as "a huge amount"; If the amount is more than 5 million yuan, it is deemed as "the amount is extremely huge".

Nowadays, it is common for people to use credit cards, but this advanced consumption pattern has also brought troubles to some people. In the process of using credit cards, some people do not abide by the regulations of the state and the issuing bank, spend too much, exceed their own economic ability, resulting in difficulties in life, and the credit card debts owed cannot be repaid as agreed. In this case, it is necessary to bear many consequences, which may even be considered as a criminal offence, and thus be investigated for criminal responsibility according to law.

In contemporary society, almost everyone has a credit card because its function is very convenient. We can use credit cards when shopping, but credit cards also have the function of overdraft in advance, so some people will not estimate themselves accurately enough, so they will face many serious consequences if they don't pay.

What will happen if the credit card is overdue?

With the continuous development of social economy, in real life, we will always encounter various situations, especially what will happen after our credit card expires, which also makes many of our netizens very worried about this. In fact, we should know that overdue repayment of credit cards will have many adverse consequences. Next, Bian Xiao will show you what bad consequences it will bring us.

First of all, we should know that overdue repayment is a very serious illegal act after credit card overdraft. The bank may require the cardholder to repay the principal, and the corresponding overdue interest, overdue fine, excess part and other related expenses. Once the bank wins the case directly, the cardholder will bear the corresponding expenses. Therefore, our overdue repayment will have a very serious impact on us, and even lead us to be sued by the bank, so as to get the corresponding lawsuit. Therefore, when

Besides, we need to know who our current banking system is. Under the central bank system, that is, when we are overdue, there is a great possibility that there will be bad credit records, and these bad credit records will directly enter our personal credit information system, which will have a serious impact on us, especially in our future life. If we want a housing loan, it is very likely that we can't get a loan from the bank, and our high-speed train and plane can't take it, because there is something wrong with personal credit information, and these things will be seriously affected.

To sum up, we can clearly know that if the credit card is overdue, it will bring us serious consequences, and these serious consequences include that our personal credit information will be seriously affected and our lives will be affected. This is right or wrong.

What happens if there is no credit card?

If the credit card is not overdue, there will be penalty interest and liquidated damages, which are increasing every day. Credit cards will not be overdue, resulting in bad credit records. Although bad credit records will generally be eliminated after five years of preservation, the premise of eliminating these five years is that you must settle all arrears, including principal, interest, liquidated damages and other expenses. Credit card debt is relatively large. If the arrears exceed 90 days, the bank will freeze the credit card. There is no chance of thawing until the debt is paid off. But if you don't pay it back, you may lose the right to use your credit card forever. If you apply for another credit card from this bank, you will be rejected. If your credit card principal is as high as 50,000 yuan, and you don't repay it for more than 3 months, and the bank still doesn't repay it after two effective collections, it constitutes a credit card crime. At that time, you are likely to be sentenced, fined and paid off.

1. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when spending, and repayment is made on the account date. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the cardholder has a certain credit limit and can spend before repayment within the credit limit; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of petty cash according to the regulations, and when the balance of the petty cash account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards. The earliest credit card appeared at the end of19th century. /kloc-During the 1980s, the British clothing industry developed the so-called credit card, and the tourism and business circles followed suit. But at that time, the card could only be used for short-term commercial credit, and the repayment should be paid at any time. Can't default for a long time, and there is no credit line.

2. Credit line refers to the credit line given by the bank to its basic customers, that is, the enterprise can recover so much money within the prescribed time limit. For example, if an enterprise applies for an export documentary bill of US$ 2 million every year, it can use US$ 6,543,800,000 in five times (only one procedure is needed, and other procedures are simple). If it uses 10 times, it can use 20 million dollars. On the one hand, it solves the short-term difficulties of enterprises, improves the speed of enterprises, and also improves the efficiency of enterprise capital use.

What happens if the credit card has no arrears?

Failure to pay back the credit card will affect the personal credit record, limit high consumption and bring inconvenience to life. If it is serious enough to constitute a malicious overdraft of a credit card, the credit card crime is established. If the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan. A large amount refers to more than 6,543,800 yuan but less than 6,543,800 yuan.

Legal basis:

Article 196 of the Criminal Code of People's Republic of China (PRC).

Whoever maliciously overdraws a credit card and engages in credit card activities, with a relatively large amount, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan.

Article 6 of the Interpretation of the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Affecting Credit Card Management.

If the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and the issuing bank fails to repay it for more than three months after two times of collection, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.

Malicious overdraft, the amount of which is more than 10,000 yuan but less than 100,000 yuan, shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 100,000 yuan but less than 1 million yuan, it shall be deemed as "a huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 6,543.8+0,000 yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.

This is the end of the introduction about what will happen without credit card money and what will happen if you owe credit card money. I wonder if you have found the information you need?