After the user's credit card is overdue, the user's personal credit information will be seriously affected. If the overdue amount of a credit card is very large and the overdue time is very long, then the user is likely to be involved in credit card fraud. At this time, it will involve malicious evasion of credit card repayment and criminal responsibility.

Consequences of overdue credit card:

1. If it is overdue, there will be not only a late payment fee of 5% of the minimum unpaid part, but also a full penalty interest on the bill (five ten thousandths of the day of consumption, and interest will be recovered on a monthly basis until the principal and interest are paid off), and there will be a bad credit record in the Credit Information Center of the People's Bank of China, making it difficult to apply for credit cards and bank loans within five years;

2. If it is overdue for more than three months or the bank urges you for more than two times, the bank will freeze your card, list you as a prohibited customer (blacklist), and will also sue you for credit card fraud and malicious overdraft, which will be enforced by the court. If you refuse to repay the loan after prosecution, and the amount owed exceeds 1 000, the court will impose a sentence on the crime of credit card fraud according to Article 196 of the Criminal Law!

How to remedy the overdue credit card;

1, you'd better continue to use this card (otherwise it will immediately alert the bank).

2. Don't run away and think it's okay (if you run away for a long time, it will be considered by the court as malicious evasion of debts and may constitute a criminal offence)

3. Need to explain the inability to repay in time (apply for a few days' delay in repayment, apply for bill installment, apply for the minimum repayment amount, and find an intermediary to repay).

4. It is best to repay in full and explain the reasons.

legal ground

criminal law

Article 196 Whoever commits credit card fraud under any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property.