The overdue center is the center of overdue treatment, and it is the place to urge professionals to handle cases in accordance with state regulations. Traditional loans are usually linked to personal credit information. When applying for a loan, you need to check your credit information first. If the repayment is overdue, it will have a negative impact on personal credit information. Individuals in the loan, do what they can, to ensure timely repayment, good reputation.

How to deal with overdue:

As a credit card holder, if he can't repay on time due to unemployment, illness or other unexpected reasons, he can take the initiative to contact the bank credit card center, state his financial situation, declare that he has no malice, and apply for deferred repayment and interest concessions. Considering the positive performance of the cardholder and the normal credit record without arrears, the bank will generally agree to postpone the repayment, and negotiate with the cardholder the repayment plan, extension period, interest concessions and monthly repayment amount acceptable to both parties. Credit card repayment information will be recorded in the official credit information system for a whole year. If there are overdue records, keep them for two years. If the credit card is deactivated, the previous records will be kept for a long time.

legal ground

Article 196th of the Criminal Law of People's Republic of China (PRC) has one of the following circumstances, which constitutes the crime of credit card fraud. If the amount is relatively large, he 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 particularly 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 his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.