If the credit card is overdue for three months, the bank will send a text message saying that it will report the case to our local public security bureau for investigation. Is it true? There is really no money to pay back, and I owe a lot. If a short message is sent to report a case, this situation is false. Generally speaking, the collection personnel scare people. If it is overdue, it belongs to civil liability, and the police will not take care of it, and the people's court will be responsible for it. Banks that are overdue for a long time and maliciously owe money can take judicial channels to prosecute, hoping to attract attention. Serious overdue will leave a bad credit record. It is recommended to return the money as soon as possible.

first, you can try to negotiate with the bank to repay the loan in installments, depending on whether the bank agrees or not, and the bank will provide you with a plan. A long overdue period will affect personal credit, and the bank will truthfully feedback the cardholder's card use according to the requirements of the People's Bank of China. If it is seriously overdue, the bank will reserve the right to pursue it according to legal procedures, and there will be SMS notification at the same time, so don't lose big because of small.

second, hello. First of all, if it is overdue, it will have an impact on your credit information according to the length of time. If it is seriously overdue (more than 9 days), the credit information will be a black account, and you can't apply for any loan business before it is paid off. Secondly, it will cause additional expenses such as liquidated damages and overdue interest. It is nothing new to be overdue for a long time, so please be cautious.

3. As long as you answer the phone normally, but you are unable to repay it and will not report it, it is a civil liability and you can only sue

After the bank sues, the processing flow is as follows:

1. If you are really unable to repay it, you should negotiate with the bank to extend the repayment period or return it by stages.

2. If the bank sues and wins the court case, if you fail to perform the court judgment within the performance period, you can apply to the court for compulsory execution.

3. When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits in your name according to law.

4. In addition, there is no property in your name that can be executed, and you refuse to carry out the effective judgment of the court, then you will have negative information such as overdue repayment recorded in your personal credit report, and will be restricted from high consumption and entry and exit, and may even be judicial custody.

5. If you have the ability to refuse to execute, you are suspected of refusing to execute the judgment or ruling.

6. article 313 of the criminal law refuses to execute a judgment or written order. if the people's court refuses to execute the judgment or written order, if the circumstances are serious, it shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine.