1. How long will it take for a credit card to be overdue before you will be prosecuted and fined?

If your credit card is overdue for more than three months, you will be prosecuted. If a credit card is overdue for more than three months, the bank will directly file a lawsuit in court. The court is likely to blacklist the user. Being on the blacklist of trustworthy persons will directly affect personal life, restricting travel, restricting consumption and other penalties. Serious penalties It also affects the next generation’s education and employment. In addition, the courts will also enforce repayment. Once a personal bad credit record occurs, it will first affect your loan application.

2. What should I do if the credit card debt is temporarily unpaid?

1. First, call the bank customer service in time to negotiate for an extension of repayment

(1) Generally speaking, most banks Cardholders will be allowed to call to apply for a deferment of repayment, and the deferment period is usually one week.

(2) Therefore, as long as you pay back the money within the deferment period, you can avoid paying late fees.

2. You can pay the minimum repayment amount first

(1) Each bank will set a minimum repayment amount for credit card holders, as long as the cardholder can repay it With this minimum amount, the bank will not charge late fees, and it will not affect the cardholder's personal credit.

(2) In practice, this minimum repayment amount is 10% of the bill amount.

3. Request to change the final repayment date

(1) If the last repayment date happens to be when you are tight, you may wish to negotiate with the card issuer to change your repayment deadline .

(2) According to the actual situation, you can choose the final repayment date two or three days after the salary is paid. This will not only have enough money to repay, but also avoid having to pay for the loan in the next month. Spending without restraint.

3. How many days after the credit card is overdue will a credit report be filed?

(1) Generally speaking, if a credit card is overdue for 3 days, a credit report will be filed. Most banks have a time tolerance service, which is usually 2 to 3 days. That is to say, users are allowed to complete the repayment within 2 to 3 days after the final repayment deadline. This situation is not allowed. Credit will be checked at the meeting.

(2) It should be noted that if a user has a credit report due to an overdue credit card, it will have an impact on subsequent loans, borrowings and other needs, so it is recommended that the debtor pay off the debt as soon as possible , if you don’t have that much amount at the moment, you can call Bank of Communications to apply for installment.

If the credit card is overdue, there are two types of interest: the overdue interest on bank credit cards is generally 0.5% per day, and the interest is calculated based on the interest rate of 0.5%, and then the compound interest is calculated based on the interest rate of 0.5%. Until the cardholder pays off all the money. For the overdue portion, interest will be charged on the full amount and compound interest will be calculated on a monthly basis until the cardholder pays off the balance in full. If the credit card is currently overdue and the cardholder has not paid the minimum payment for more than three months, the bank will issue five months of agreed interest.

If it is normal credit card consumption and debt, even if it is brought to court, the court will handle it as a general civil dispute and will not involve criminal cases. If there are malicious overdue behaviors, credit card fraud, or illegal possession of other people's property, you may be sentenced.