1. What to do if the credit card debt is forcibly deducted

If the credit card repays the debt overdue and the money is forced to be deducted to repay the debt, follow the following steps Ways to deal with it:

1. Illegal deductions

If the bank deducts the money on its own to repay the debt, it is illegal. The party concerned can complain to the bank or to the China Banking Regulatory Commission. , if the complaint fails, you can report the case to the public security organ.

2. Legal deductions

If the bank deducts money to repay credit card debts based on the effective judgment or ruling of the court, it is a legal deduction. If the party concerned is dissatisfied, he or she may apply to The People's Court appeals or appeals against judgments or rulings.

2. Solutions to overdue credit cards and no money to pay back

1. Use the delayed service provided by the bank:

If the funds are only one or two days short of If you can repay it, you can take advantage of the bank's deferred repayment service. Banks generally have a 1-3 day deferred repayment service. As for the specific number of days, each bank is different. It is best to consult the customer service of the relevant bank.

2. Apply for credit card installment or minimum repayment:

If you cannot afford a credit card in the short term, you can consider applying for credit card installment or repaying the minimum repayment. Although these two methods You have to pay a certain amount of interest to the bank, but you also avoid bad credit records caused by overdue payments.

3. Effectively change the billing date:

If you predict that a certain bill may not be paid by then, you can apply to the bank to change the billing date before the bill comes out, in order to extend the payment. Repayment period. Of course, you can’t just change the statement date. You need to consult the bank to confirm the specific situation.

4. Ask friends or family to borrow money for turnover:

Ask friends or family for turnover. Borrow some money to pay off the credit card first, and then pay it back when you have sufficient funds.

3. How long will it take to go to jail for an overdue credit card

If an overdue credit card is not returned for more than 3 months after two collections by the card-issuing bank, and the amount exceeds 10,000 yuan, it constitutes credit card fraud. If you are guilty, you will go to jail. Anyone who commits this crime shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined; 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 and not more than 10 years, and shall also be fined.

If the circumstances are particularly serious, the offender shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have property confiscated.

Only by developing good repayment habits can you avoid overdue payments. Otherwise, once you are overdue, the bank will try its best to make you repay. If you are really unable to repay, you can also try to contact them. The bank negotiates repayment, but if you don't pay back the money, then if you end up suing the court, you still have to repay, and there will be a forced deduction.