1. How much overdue credit card will be prosecuted?

Generally speaking, if the credit card debt is repaid beautifully, then no matter how much the credit card debt is, the bank can bring a civil lawsuit to the court. Therefore, cardholders should not be careless because their overdue amount is relatively small. Even if the overdue principal is relatively small, if the overdue interest accumulates, the bank may still sue the cardholder.

However, the overdue prosecution is generally a civil lawsuit, and the cardholder will not go to jail. However, if the credit card is maliciously overdrawn, and the overdraft amount exceeds 6,543.8+0,000 yuan, and it is overdue for 3 months, it constitutes the crime of credit card fraud, and criminal responsibility shall be investigated according to law.

2. What should I do if my credit card is sued for overdue?

1. Explain the cardholder's personal situation, and show the bank the income flow, debt profile and assets to prove that he is really unable to repay.

2. Show proof of difficulty. If you know that your credit card can't be returned, it's a malicious overdraft. However, if you can't repay your credit card due to special reasons such as unemployment, bankruptcy or serious illness, you can negotiate with the bank.

3. Express willingness to pay back the money. Cardholders should show a strong willingness to pay back the money. Although they can't pay it off in one lump sum now, they are still willing to pay it back. Negotiate with the bank to repay the loan in installments and pay it back slowly.

3. How long will the overdue credit card be prosecuted?

Banks usually take seriously overdue cardholders to court for the crime of credit card fraud, and the court has about 7 days to decide whether to accept a civil lawsuit of less than 50,000 yuan. After accepting the case, the court will notify the parties and hold a hearing within three months. Cardholders can see the specific opening time on the subpoena sent by the court.

If it is a criminal lawsuit, the public security organ will file a case for investigation and then file a public prosecution with the court, which usually takes about four months. In any case, after receiving the notice of prosecution, the cardholder has enough time to reach a settlement with the bank and let the bank withdraw the lawsuit. It is best to let the bank withdraw the lawsuit in advance, so that the cardholder does not have to bear the influence of dishonesty or imprisonment, and can also save a legal fee.

Having said that, everyone has a certain understanding of how much credit cards will be prosecuted if they are overdue. I still suggest that you spend carefully, don't overdraw, but leave funds to deal with risks and avoid overdue.

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication cases and make detailed and targeted answers for you, so as to avoid incorrect answers due to incomplete information and poor communication.