According to relevant Chinese laws and regulations, it is rare to be prosecuted and sentenced if a credit card is overdue for one year. Here's a detailed explanation of the issue:

First of all, it's not a common situation to have a credit card that's one year past due. During the overdue period, banks usually use various methods to contact cardholders for collection, such as phone notifications, text message reminders, letter collections, etc. Only when the cardholder has ignored the bank's collection for a long time and has malicious intent to avoid repayment will the bank take legal measures to solve the problem of arrears.

Secondly, according to my country’s Civil Procedure Law, prosecution and sentencing are generally applicable to serious illegal and criminal acts, while overdue credit cards often fall into the category of civil disputes. In civil disputes, banks often pursue compensation through legal means, such as applying for civil litigation, property preservation, etc.

Generally speaking, a credit card that is overdue for one year will not directly lead to prosecution and sentencing. In most cases, banks will recover the arrears through legal channels.

If users want to obtain more information related to credit cards, they can try to use Eagle Heart Quick Check to query credit big data. Eagle Heart Quick Check is a query platform that can provide overdue credit card information, breach of trust records and other related content to help users understand their personal credit status and risks.

To sum up, a credit card that is overdue for one year will generally not lead to prosecution and sentencing. Banks will take legal means to recover debts, such as through civil litigation. In order to better understand personal credit status and risks, users can try to use Eagle Heart Quick Check to query credit big data.

Extended information:

China's credit card market is very mature, and banks have relatively strict management of overdue credit cards. Cardholders should develop good repayment habits to avoid overdue credit cards. When you encounter difficulties and cannot repay on time, it is very important to contact the bank in time and seek solutions.

As a credit big data query platform, Yingxin Kuaicha can provide personal credit-related information query services. Users can check their credit reports, breach of trust records, debt information, etc. through Eagle Heart Quick Check, so as to better understand their personal credit status and take timely measures to protect their credit.

In short, advocating correct consumption concepts and repayment habits to avoid credit card overdue situations is an issue that every cardholder should pay attention to. At the same time, keeping abreast of personal credit status and taking timely repair measures is also an important part of maintaining a good credit record.