The analysis is as follows:

If the bank has reported the crime, the public security agency will generally summon the cardholder within a week to urge repayment, or directly detain the suspect.

1. Failure to repay a credit card overdue after the overdraft is a breach of contract. The bank can require the cardholder to repay the principal as well as overdue interest, late payment fees, over-limit fees, etc.; if the bank sues in court and wins the case , the cardholder will also have to bear the litigation costs.

2. Secondly, if the cardholder maliciously overdrafts a certain amount for the purpose of illegal possession and fails to repay the amount overdue, this constitutes the crime of credit card fraud and he will also bear criminal liability. (More than RMB 10,000 is overdue, and the card-issuing bank has called for it twice and still failed to return it more than 3 months ago, which is suspected of credit card fraud).

3. Finally, non-repayment after the due date will leave a bad credit record for the cardholder, which will affect the smooth progress of the cardholder's future loans and other activities.

Extended information

1. Card collection is divided into two types: internal collection by the bank and outsourcing collection. Internal collection usually refers to customers who are overdue for more than three months and are generally reminded by bank customer service (M0 period) or call the reminder department via telephone (M1, 2 period) or come to each business outlet office (M3 period) to make overdue payment reminders!

2. Outsourcing collection mainly means that the credit card center entrusts some customers who are difficult to handle, have problems, have lost contact or have small amounts to a company specializing in the collection industry (some are law firm) for collection.

3. From the second day of the last payment date to the next billing date. During this period, the bank record will be almost intact, but late payment fees and full interest will be charged. Banks generally do not collect debts during this period and will only remind you that the repayment period has exceeded through SMS platforms or phone calls.

4. It is the continuation of the M0 period, that is, between the second unpaid bill date and the last payment date of the second bill, the credit record will be uploaded to the People's Bank of China credit system. It is very likely to affect issues such as home loans or credit loans, and late payment fees will be charged. If it is before the second payment date, only one late payment fee will be charged.

5. Otherwise, it will be charged twice, and the interest will be compound interest on the current amount owed! During this period, banks will generally issue reminder collections to customers with larger amounts, that is, the collection staff from the collection department of the credit card center will call to remind them to repay! Some banks do not collect debts during this period in order to earn more late fees and interest.

6. It is a continuation of M1, that is, between the third bill date of non-repayment and the last payment date of the third bill, the credit record has a greater impact. In the banking industry, credit reporting There will be a stain on your record, which will have a big impact on future loans and getting a job at a larger company. A late payment fee will be charged, and if it is before the third payment date, a second late payment fee will be charged.

7. Otherwise, the interest will be charged compound interest on the current amount owed three times! During this period, banks generally use legal reminders for repayment. Relevant collectors will call to inform them of the impact on credit records and the consequences of non-repayment. During this period, banks will contact relatives and friends of the debtor to help remind the debtor. Repayment. Some banks are tough on debt collection, and may even have collectors disguise themselves as lawyers to put pressure on debtors. However, some banks are light on debt collection and only carry out reminder collection during this period!

Reference: Baidu Encyclopedia-Credit Card Collection