1. What to do if your credit card is notified after it is overdue

1. You should first contact the bank of the credit card to handle the overdue problem, and then let the bank Go to the police station to solve the case.

2. If it is a civil case, no one will be arrested. If it is a criminal case, the police will come directly to arrest the person.

3. If a customer loses contact after their credit card is overdue, the bank will have a dedicated team to come to collect the money. The cardholder should pay off the amount owed in time.

4. If the credit card repayment is overdue due to bank reasons or other non-malicious defaults on credit card repayments, the cardholder can apply to the bank for personal objection processing to eliminate it.

2. Failure to repay credit card debt will cause serious consequences, specifically as follows:

1. After the credit card is overdue and is not repaid, the bank will first cancel the interest-free treatment and add Penal interest will be charged, and interest of 0.5% of the bill amount will be deducted every day until it is repaid;

2. The bank will collect the bill through various channels, including phone calls and door-to-door visits;

3. If the credit card is overdue for more than three months, it is possible to sue the court and apply for enforcement of the cardholder's relevant property;

4. If the credit card is overdue, the bank will freeze the card and enter the credit blacklist , you will not be able to handle other credit business in the future;

5. If the amount of debt owed is relatively large, for example, more than 10,000 yuan, it is enough to be sentenced. If you cannot repay the money in time, it is possible to enter.

3. Can I still use my credit card after it is overdue?

In fact, there are many reasons for overdue payment, such as forgetting to repay, delayed bank transfer, malicious overdue, long-term arrears, etc., each of which The consequences of overdue repayment will be different. Some people may still be able to use the card, but those who use it will lose the right to use the credit card forever. Here are several situations to discuss:

1. For Banks will usually turn a blind eye to overdue cases that are not malicious and are not overdue for a long time. As long as the overdue amount is paid off immediately, the credit card will not be frozen, so the card can be used as usual after the overdue amount is paid off. .

2. If the overdue time is too long and the overdraft is malicious, then generally if the credit card is not repaid for more than 3 months, the bank will freeze the credit card, and it may not be able to be used after repayment. credit card. However, it is best to contact your credit card customer service to see if it can be unfrozen.

Overdue credit cards have a huge impact on individuals. Cardholders not only have to pay high overdue penalties, liquidated damages and late payment fees, but they will also have a negative impact on their personal credit records. In the future, if the cardholder wants to apply for a loan, the bank will not approve it. In serious cases, the cardholder may be sued by the bank.