The standard for filing a criminal case for overdue credit card is that you owe more than 50 thousand yuan, that is, your credit card overdraws more than 50 thousand yuan. If you don't pay it back after the deadline, it may involve criminal law. There is no clear standard for civil filing, but banks generally choose to sue when the credit card debt reaches about 5,000 yuan.

1. Criminal filing of overdue credit cards.

Under normal circumstances, overdue credit cards are civil disputes and do not involve criminal law. Involving criminal law is illegal and criminal. The most typical case of overdue credit card involving criminal law is that malicious overdraft constitutes credit card fraud. If people deliberately evade bank collection after the credit card expires, such as not answering the phone, deliberately concealing property, refusing to repay, etc., it is a malicious overdraft and constitutes a crime of credit card fraud. Therefore, in this case, we must actively cooperate with the bank and do our best to repay the arrears so as not to go to jail. After all, the main purpose of the bank is only to recover the arrears.

2. Civil filing of overdue credit cards.

Under normal circumstances, banks will not go to court to sue casually, because the prosecution is not free, and it will take a lot of time to pay lawyer's fees and legal fees. The whole prosecution process is very time-consuming and laborious. If the amount owed is relatively small, the bank will still choose the collection meeting as the main means. Of course, that doesn't mean you can't pay it back. In this case, your credit will definitely be blacklisted, so it will be very difficult for everyone to handle any business in the bank in the future.

3. Credit card overdue solution.

After the credit card is overdue, you really can't repay it in one lump sum because of your financial difficulties. You should contact the bank in time to explain your current situation, and then negotiate with the bank to stop installment payment, or you may win an interest-free opportunity. After the bank verifies and confirms, you can sign a personalized repayment agreement with the bank, with a maximum of 60 installments in 5 years, so as to avoid being sued by the bank.

In short, no matter how much money you owe on your credit card, you should take the initiative to find a solution. It's natural to pay back debts, so don't take chances, or you will be punished by law in the end.