1. How long does it take for credit card processing to be suspended after it is overdue?

Many friends believe that as long as it is overdue, the credit card will be frozen. But in fact, overdue credit cards may not necessarily stop being used immediately, which mainly depends on the overdue period.

Take China Construction Bank’s credit card as an example. If the credit card is no more than 30 days overdue, the credit card can still be used, but the available limit will gradually decrease. If the card is overdue for more than 60 days, the card-issuing bank may freeze the credit card. If the card is overdue for more than 90 days, the bank will take compulsory card suspension measures.

2. How to resume use of a credit card after it has been suspended

1. The cardholder needs to pay the credit card balance as soon as possible, and then call the bank hotline to apply for unfreezing. Of course, if you just say you want to unfreeze, the bank will definitely not allow it. Therefore, we should work hard to convince them and express our strong willingness to repay, which will also help restore the success rate of credit cards.

2. If you really can’t afford it, you can also apply for installment repayment or suspension of interest payments, then pay off the debt a little, and then apply to the bank for unfreezing. Don't delay, otherwise the bank is likely to reject the unfreezing application even if the debt is paid off.

3. Will you go to jail if your credit card is overdue?

1. If your credit card expires, you do not have to bear criminal responsibility. However, if the cardholder defaults on the credit card for more than 90 days, the bank is likely to resort to legal means. At this time, the judicial authorities need to determine whether there is malicious overdraft and credit card fraud based on the overdue amount and nature, which will bear criminal liability.

2. Therefore, we cannot let the courts and banks think that we are malicious overdrafts and credit card fraud. Malicious credit card overdrafts and credit card fraud mainly depend on whether we have illegal possession, whether we have overdrafted the credit card, and whether we know Are we incapable of repaying, are we deliberately avoiding collections. Therefore, as long as you explain the reason for the overdue payment and express your willingness to repay, you will not go to jail.

In special circumstances, you can click the consultation button on the right. The website provides professional lawyers to answer questions and help you solve your repayment problems so that you can return to your normal life.