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How long will credit cards be classified as dishonest?
Credit cards will not be classified as dishonest after 3 months.

First, it takes at least six months to a year to be classified as a breach of trust. Under normal circumstances, the bank will not sue within 3 months after the credit card expires. After three months, the bank will think that you are maliciously overdrawn and then sue the cardholder after repeated collection is ineffective and seriously overdue.

1. After the prosecution procedure is over, you need to wait for the court to make a judgment. Only those who refuse to repay after the execution of the judgment will be included in the list of untrustworthy people. If the cardholder can repay the arrears after the court decision, it will be deleted from the list of untrustworthy people. Therefore, being a faithless person needs to meet many conditions at the same time, and the credit card overdue for more than 3 months is just one of them. As long as you are not sued by the bank, you can't be classified as a faithless person.

Second, what if the credit card is not included in the list of dishonesty?

1, it is best to repay in full, including interest payable and expected penalty interest, which is the best solution. Of course, you can also negotiate with the bank to repay by installments, but your credit record is still abnormal in this process, so it is recommended to repay in full unless you are really in a state of financial shortage and cannot repay. The most important thing is that as long as the cardholder has not escaped, lost contact and is willing to negotiate with the bank, he is still a customer of the bank and should not be too afraid of the bank.

2. You need to continue to use the card after repayment. If the bank has restricted the use of the card, please consult with the bank and express your strong willingness to correct the mistake and hope to continue to use the card. After 24 months of normal use of this card, the credit information has basically recovered, and the bad record will be offset by the good record.

Third, what is the impact of credit cards not being classified as dishonest?

1. Once included in the list of untrustworthy people, many activities will be affected, such as not being able to buy a house or a car, and restricting the use of transportation, such as airplanes, soft sleeper trains, ships and so on. Children can't attend some private schools; Can't stay in a high-star hotel; Shall not build, expand or decorate high-grade residential buildings; Can't travel or vacation;

Do not pay high insurance premiums; You can't do high consumption or anything. It can be said that all the consumption behaviors of faithless people will be restricted by the court, and these restrictions will not be eliminated until the debt is paid off, and will only become more and more strict.

2. In a word, all the above are about how long a credit card will not be classified as broken. After the credit card is overdue, if there is no collective repayment plan, friends will owe more and more, and eventually they will be sued by the bank and must not escape.

Legal basis:

Criminal law of the people's Republic of China

Article 196 Whoever commits credit card fraud under any of the following circumstances, if the amount is relatively large, 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 especially 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 confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.