1. How to release the overdue credit card freeze?

1. When we find that the credit card is frozen, we should repay it immediately. Under normal circumstances, our overdue time is not long, the amount is not large, and we are not suspected of malicious default, cash withdrawal and other acts. The credit card can be unfrozen within 24 hours after confirming that we have returned the arrears.

2. If it is after the execution of the court judgment, go through the closing procedures and then take the initiative to apply for lifting the freeze; If the case has been closed in the court, you can prepare an application for unfreezing and apply to the court for cancellation of property preservation. If you have gone through the court process, but the account triggers the bank's risk control system to be frozen, you need to prepare the situation statement and the court's closing statement to go to the bank to apply for thawing and use the bank account normally.

3. If the freezing of the account has affected the normal repayment or the basic life of the person and his close relatives without executing the court's judgment, you can provide real evidence to file an application for execution objection and request the court to lift the freezing of the corresponding account. If the preparation is insufficient or the submitted materials are problematic, it is impossible to successfully get the court to lift the freeze.

4. Under normal circumstances, the people's court shall freeze the bank deposits and other funds of the person subjected to execution for no more than six months, seal up or detain movable property for no more than one year, and freeze other property rights for no more than two years.

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

1. Bank continuous dunning

When the borrower is overdue, the bank credit card customer service center will first call several times; If the money 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; After repeated dunning, the bank will sue to the court.

2. being sued by the bank, the loan is not available.

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 jail and fines.

A credit card overdue for three months can be regarded as a penalty for malicious overdraft, but if you communicate with the bank in advance to prove your repayment ability and repayment plan, you will generally not face criminal responsibility. However, cardholders who refuse to return after the court's decision will be dealt with according to criminal law. If the circumstances are serious, they may face the consequences of imprisonment of not more than three years and fines, especially if the circumstances are serious, they will face longer imprisonment of three to seven years and pay fines.