Legal analysis:

1. Within three months overdue

If a credit card is overdue within 3 months, it is the bank’s own collection stage. The bank’s work The staff will make collections over the phone, and some with larger amounts will come to your doorstep for collections. Collections at this stage are relatively civilized and legal. The biggest threat is to blacklist you or sue you. At this time, the bank will also contact your immediate family members to see if they can help return it.

2. Three months to six months

At this stage, some banks will outsource the collection work to third-party companies for collection. These companies will be relatively violent in collections, although they will not Direct physical harm, but bombarding with text messages, phone calls, and even exploding address books are common.

3. For more than six months (for an amount of more than 50,000 yuan)

For debts with an amount of more than 50,000 yuan, if the early collection has not achieved any results, Then the bank will usually take the court prosecution channel. Taking this channel will have the following impacts on you:

(1) Being included in the list of dishonest persons subject to execution;

(2) ) If it is not repaid within the stipulated time, the assets in your name will be enforced;

(3) How long you will be jailed depends on the amount you owe. If the amount is large enough, the maximum sentence can be to life imprisonment.

Legal basis:

Article 196 of the "Criminal Law of the People's Republic of China" Under any of the following circumstances, if credit card fraud is carried out and the amount is relatively large, Whoever commits a crime 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; 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 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan. If the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property:

(1) ) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

(2) Using an expired credit card;

(3) Pretending to use another person’s credit card ;

(4) Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.

Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.