1. What is the standard for late prosecution of credit cards?

1. The credit card is overdue for more than three months.

2. The bank has made two effective collections.

when the above two conditions are met, the bank can sue the parties. If the parties still refuse to repay the loan after trial by the court, they may file a case for investigation. After the public security organ confirms the crime of credit card fraud, it will investigate the criminal responsibility of the cardholder. In terms of punishment, it has a lot to do with the amount. The greater the overdue amount, the more serious the circumstances and the more serious the punishment.

second, what is the process of late credit card prosecution?

1. The issuing bank brings a lawsuit to the local people's court and submits the cardholder's personal information.

2. after accepting the bank's lawsuit, the court will send a notice to the cardholder, asking the cardholder to provide evidence.

3. After receiving the notice, the cardholder will give evidence in court.

4. After the collection of court evidence, a summons will be sent to both parties to inform the bank and the cardholder when and where the court session will be held.

5. The people's court will hold a hearing and lawyers will argue.

6. Finally, wait for the court to make a corresponding judgment.

iii. Who will pay the overdue prosecution fee for the credit card

If the bank wins the case and the cardholder loses the case, the litigation fees of both parties need to be borne by the cardholder. Of course, if the two parties reach a repayment agreement after court mediation, the litigation costs can be borne by the cardholder and the bank. However, if the bank chooses to withdraw the lawsuit, the litigation fee will be borne by the bank, but it can also be halved.

However, most cases are borne by cardholders, because the rules of using credit cards are that after overdue payment, cardholders will become most of the losses, so they must bear the litigation costs.

after the credit card is overdue, the consequences are very serious. For example, banks will charge high interest and be sued by banks to bear economic losses, attorney fees and legal fees. At the same time, there will be bad records in personal credit investigation. Therefore, when we use credit cards, we can enjoy the convenience of credit cards, and we can't overdue them, which will affect our credit investigation.

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