1. How long does it take for a credit card to be overdue to be considered seriously overdue?

Inadvertent overdue payments within 3 days of the restricted repayment date are generally not considered overdue. Because most banks have a time-limited service, and the so-called time-limited service means that the repayment date can be postponed appropriately, usually 1-3 natural days can be extended after the repayment date. As long as the repayment is made within the time period, it is not considered overdue. However, if the credit card is overdue for three consecutive months, it is generally considered that the person has overdue maliciously, which is what we call a serious overdue credit card.

2. Consequences of a seriously overdue credit card

Finance would like to remind you that if a credit card is seriously overdue, the bank will sue the court for repayment.

1. If a bank files a civil lawsuit in court, the court should decide whether to accept it within 7 days from the date of receiving the litigation materials.

2. If the amount you owe reaches 10,000 yuan and you still do not return it for more than 3 months after two collections by the bank, it will constitute a crime of credit card fraud and you should bear criminal liability. After the public security organ files a case for investigation, it usually takes about four months before the procuratorate files a public prosecution in the court.

3. What should I do if my credit card is seriously overdue?

After the credit card is overdue, you need to repay it as soon as possible. If you don’t have enough money to repay it, you can choose to repay it in installments. If you take all the installment funds If you can't come out, you can find friends or family to help you. At the same time, I need to reduce my living expenses, increase my income sources, and repay my debts as soon as possible.

Banks will usually outsource the collection business to a third-party collection platform when the cardholder’s overdue amount is relatively large or for a long time. At this time, you can negotiate with the collection staff to reduce or reduce the repayment or extend the deadline. .

According to the law: "Malicious overdraft" refers to the cardholder's overdraft exceeding the prescribed limit or prescribed period for the purpose of illegal possession, and the card-issuing bank still fails to return it for more than three months after two effective collections. Behavior.

If the amount is between 50,000 yuan and less than 500,000 yuan, it shall be deemed as a “large amount”; if the amount is between 500,000 yuan and less than 5 million yuan, it shall be deemed as a “huge amount”; If the amount exceeds RMB 5 million, it shall be deemed as “extremely huge amount”. In other words, if we owe more than 50,000 yuan on a credit card, and after two effective collections by the card-issuing bank, we still do not pay it back for more than three months, we will be held criminally responsible according to law.

The consequences of being overdue are still very serious. If you do not handle it in time, you may face the risk of litigation. Contact a legal advisor to solve your overdue troubles.