I was really scared when I started overdue. Every morning at 8: 30, all banks call to collect money on time. At first, every phone call was answered. There was no discussion on the other end of the phone except asking you to pay back the money, which didn't make you settle down to work at all and made you unhappy all day. Later, I simply didn't answer any phone calls, as long as it was a strange phone number, and then I started all kinds of text messages threatening to collect money, which made me miserable. But there is no way, I owe money to pay back. I am willing to bear all the consequences. In retrospect, I just owe money, not his life, no matter how much. If you want to go to jail, I will admit it. If you have any big moves, take them out!
I don't know from what angle you raised this question, but I believe it is also a concern of many debtors. What are the consequences of overdue credit cards?
First of all, if your credit card is overdue, will you go to jail if you are sued? As far as I know, there are very few cases that I often go to court to handle. Every year, millions of users who sue for overdue credit cards are really involved in malicious overdraft of credit cards and bear relevant criminal responsibilities. No more than 100 people, you can know what the probability is. Among these dozens of people, you can look at the relevant documents. Basically, they are overdue for seven or eight years, change their identity information, evade debts, and never answer collection calls. Malicious fabrication of information to handle credit cards, I think there are basically not many friends whose credit cards are overdue, and all of them can reach the point of malicious overdraft of credit cards. Credit card malicious overdraft requires you to meet all the prescribed conditions. How can the bank prove that you are subjectively and maliciously overdrawn? This alone is basically very friendly to people who are in debt with credit cards! Did you spend 1000 yuan in the restaurant? If it is overdue, can it show that you are subjectively overdue? There are real consumption records and consumption scenes, but there is no money to repay later! Credit card overdue criminal responsibility, mostly belong to theft, malicious cash group, providing false materials for credit cards, etc. Therefore, I don't think there is anything to delve into this problem. The credit card is overdue. Find a way to return it. If you don't pay the full amount, negotiate with the bank to repay by installments. If you don't pay back by installment, you can pay back as much as you have. At least you are in debt now, and the creditor's money is not wasted. Adults should bear their own responsibilities!
Too many. Judging from the current data, no one who has been sued for credit card fraud has won the case. It's all in. So don't take chances. If you don't receive the ticket, you ignore it. If you really ignore it, it's too late.
If the debtor has no money to pay back, there will be a phone call every day for three months. If you owe a lot of money to the bank's credit card, the bank will freeze the credit card and stop using it, so you can only pay it back and you can't spend any more. If the bank refuses to pay back after repeated urging, the bank will sue the court. If the amount is large, it can be repaid in installments. If you don't do well, you may be sentenced to jail. It is troublesome to owe the bank credit card leaflet more than 50 thousand yuan (excluding other deposits)
There is a crime of owing credit cards that will lead to imprisonment, and that is "credit card fraud". First, you fraudulently use other people's identity documents to defraud the bank credit line. As long as the bank catches valid evidence, it will definitely go to jail. Second, knowing that they are unable to repay, they cheat the bank's credit line. For the purpose of illegal possession, the bank can also sue you for credit card fraud. The evidence is valid and the court will sentence you to jail.
If this is not the case, after you apply for credit card normal consumption repayment for a period of time, you are unexpectedly unable to repay because of personal or family reasons, or your investment fails to support the loan. These reasons are civil economic disputes, and many people can't repay their loans in three to five years.
A friend of mine owed 25,000 yuan to ICBC in 2008. He told me that during the overdue period of the previous year or two, the bank made home visits and reported the case through investigation, which made people feel scared. I didn't experience these things at that time, and I thought it was a big deal to owe money to the public. He doesn't go home year after year. But he is smart, a businessman, with many connections and can handle things. In short, he owed more and more later, and he didn't think there was anything wrong with him. The last time I saw him was at a meeting place. I was told with a red face that I would go to Hong Kong for financing next month. It's already arranged. As soon as the money is calculated, I can turn over! Eyes shining! I haven't contacted you since, and I don't know if I have turned over.
Surrounded by business friends and acquaintances. In recent years, for various reasons. Several people are in debt, but they have been trying to climb the pit and get ashore. From the current point of view, as long as the willingness to repay is strong and you don't lose contact for a long time, you owe a credit card. The bank will basically not prosecute you criminally. But you don't have any willingness to repay, and you still play missing. Even if you owe 10 thousand yuan, you can still be sentenced in criminal proceedings. In short, it will always change when it comes out.
Knowing such people, you can make money in business and spend money lavishly. I've been dating my girlfriend since college. This girl spends money, wears a business card, and sometimes eats a meal 100. After eight years of contact, the girl's family proposed to buy a house before getting married. She usually spends all her money, and sometimes she swipes her credit card, so she has no money to buy a house.
After breaking up with this girl, I received a subpoena from the court. I owe more than 40 thousand on my credit card and have no money to pay it back. The family was worried that it would affect their children, so they asked their relatives to borrow money to pay them back. The boy's mother also came out of the countryside and began to work to help pay back the money.
After this, I have a girlfriend who can spend money. Really a group of people! Boys are transferred to other places to work. When their girlfriends have no money, they go to him, and when they have money, they go back to their hometown. After three years of dating, I spent a lot of money, and the result was still a draw with a sieve.
Now that the big boy is over 30, he is still doing well. Except for not saving money, the credit card is still in use, which makes the family worry terribly.
People who owe money and debts to the bank will have different living conditions! First, work hard to make money, pay off debts and interest, and go ashore to become a free man! This is something that few people can do! Most people owe money and debts to the bank, so it is impossible to repay interest on time. The accumulated interest of banks has doubled, and they are getting deeper and deeper. Finally, the family will sell cars and buildings to pay off debts! If the family can't do anything about it, it can only be a person who has broken his promise, is blacklisted, and can't even sit on the high-speed rail! Credit cards and internet finance are imported from capitalist countries, and they are evil money! It is a sharp weapon for capitalists to bind workers. It forces you to serve capital all your life and be exploited and squeezed willingly to work hard!
The credit card owed has not been returned, and the final result must be that the bank sued the court!
Note: This refers to debtors who have been unable to repay for a long time, and other circumstances are beyond the scope of discussion.
When you start overdue, the bank first asks you to repay through the internal collection staff. 1-3 months later, you still haven't fulfilled your repayment obligations. The bank will transfer your materials to a third party for collection, and let them be responsible for collection. I wrote a special article about what third-party companies will do in the process of collection and what words to use against debtors.
At a certain point in time, it still hasn't been returned. The collection department of your card will consider whether to package you and other debtors and take them to court. If you go to court, the worst result will be administrative detention 15 days.
As for imprisonment, it rarely happens. Unless you are really suspected of maliciously overdrawing your credit card, you need a lot of evidence from the bank to list which of your bills is maliciously overdrawn.
This is a heavy job. The bank just wants you to pay back and reduce the bad debt rate, but it doesn't really want you to go to jail. If you can't pay the loan, you have to go to jail. I'm afraid jail is not enough.
So don't worry too much. What you need to do now is to work hard and make money. When you have a stable income, you can negotiate with the bank to repay by installments to reduce the repayment pressure!
At first, you will definitely get a call from a third party, and you will also negotiate with the bank. If the negotiation fails, you will have to wait for the prosecution, but don't panic, actively respond to the lawsuit, indicating that you have the desire to take the initiative to repay. However, this is the actual situation at present, and you have no ability to change it at one time. At present, there are more than 800 billion credit cards in China, all of which are unable to repay debts. Indifferent, judging malicious overdraft is conditional, so as long as you have no money, you don't pay it back. Many people still live the life they deserve and then make money to pay off their debts. That's it!