If the credit card is overdue, you can't apply for installment repayment, and you need to pay back the arrears. The responsibility for overdue credit cards depends on how much you owe, and the time of overdue: the crime of credit card fraud generally means that you owe more than 10,000 yuan, and you are urged by the issuing bank twice, and if you don't pay it back for more than 3 months, it will constitute a crime and you will bear criminal responsibility and civil repayment responsibility.

1, 60 days overdue is included in personal credit information.

2. Overdue for 90 days is counted as personal bad credit.

3. If it is overdue for more than 90 days, the bank will no longer collect the arrears and will bring a lawsuit to the court.

4. After the award, the collateral shall be enforced according to the contract to pay off the arrears.

5. The lender shall bear all litigation costs.

Extended data:

Consequences of overdue credit card:

I. Bank Credit Card Banking Center will charge late fees and interest:

1. The late payment fee is calculated as 5% of the unpaid part of the minimum repayment amount, and the minimum repayment amount is RMB 10 yuan or USD 1 yuan.

2. At the same time, the bank will charge five ten thousandths of daily interest for the whole bill.

3. Have a bad credit record.

4. Generate late fees and interest.

5. The bank will sue.

6. No credit business shall be conducted in this bank within 5 years from the date of paying off debts.

References:

Overdue repayment-Sina Finance overdue repayment-Baidu Encyclopedia