New regulations for overdue credit cards in 223:

1. Default interest is changed to liquidated damages.

2. Improve sentencing standards. The sentencing standard of credit card has been raised from the original 1 thousand yuan to the current 5 thousand yuan.

3. Stop-of-interest installment of the maximum 6 periods. Overdue cardholders can negotiate with the bank to stop interest payments by installments.

4. collection. When the cardholder's credit card is overdue, the bank shall not use illegal collection means.

1> Overdue for more than one week: the bank will reduce the credit card limit to remind you to repay.

3> Overdue for more than one month but within three months: the bank will not make direct dunning, but outsource it to a professional collection company. It may have an impact on your life at this time.

4> Overdue for more than three months: the bank will take you to court for * *.

second > Standard for putting on record overdue credit cards

Generally, there are two cases of overdue credit cards, one is a civil case, and the other is a criminal case. The specific standards are as follows:

Civil filing

The standards for civil filing are relatively low. As long as the overdue users do not meet the standards for criminal filing, but fail to pay them back within the time limit, the bank can bring a civil lawsuit to the court.

filing a criminal case

III > Overdue sentencing standard

1> Overdue amount of 5, ~ 5,: sentenced to fixed-term imprisonment of less than 5 years, and will pay a fine of 2, ~ 2,.

2> Overdue amount of 5, ~ 5 million yuan: sentenced to 5~1 years of fixed-term imprisonment and paid a fine of 5, ~ 15, yuan.