1. How to deal with overdue credit cards?

1. If the credit card money is not paid, you can apply to the bank for the minimum repayment amount or postpone the repayment.

2. If the overdraft amount is more than 50,000 yuan for the purpose of illegal possession, and it is still not returned for more than 3 months after being collected by the issuing bank twice, it is suspected of malicious overdraft and needs to bear corresponding legal responsibilities.

3. If there is any overdue behavior, it is suggested to pay off the arrears in time.

2. What happens when a credit card is sued for overdue?

1, continuous dunning by the bank

(1) When the borrower's repayment is overdue, the customer service center of the bank credit card will call several times first;

(2) If the payment is still unpaid, the bank will entrust a third party to collect it, usually through continuous telephone calls, text messages or even door-to-door collection;

(3) After repeated dunning, the bank will sue to the court.

2. Being sued by the bank, unable to apply for a loan.

Cardholders will be added to the credit blacklist and cannot apply for loans. The court will collect the loan. After receiving the court summons, after investigation and persuasion, urge the cardholder to repay. However, if the cardholder refuses to repay, the court can take enforcement. Subsequently, the court will realize the cardholder's assets to repay the card debt and freeze the related property.

3. Malicious breach of contract, facing imprisonment and fines.

(1) A credit card overdue for three months can be regarded as a malicious overdraft penalty, but if you communicate with the bank in advance to prove your repayment ability and repayment plan, you will generally not face criminal responsibility.

(2) However, the cardholder who refuses to return the card after the court's judgment may face the consequences of three years' imprisonment and a fine if the circumstances are serious, especially if the circumstances are serious, he will face a longer imprisonment of three to seven years and pay a fine.

3. What are the consequences of overdue credit cards?

1, resulting in bad credit records;

2. Interest: calculated at 0.5 ‰ per day;

3. Late payment fee: generally calculated at 5% of the unpaid part of the minimum repayment amount (depending on the regulations of banks);

4. Credit card malicious overdraft may also face criminal punishment;

5. Blacklisted by the bank.

In contemporary society, many young people will overdraw their credit cards in advance. After all, credit cards have a certain amount, so you can spend in advance, but spending in advance is also a kind of loan. Afterwards, the repayment must be made in time according to the repayment period agreed by both parties. Otherwise, it will be overdue and be included in the blacklist of dishonesty.