If your Bank of Communications credit card is overdue for 3 months, the Legal Department said that you should call the police and file a case
If you are overdue for more than three months or the bank has made two reminders and you have not paid back, the bank will freeze your card. You will be listed as a banned customer (blacklist), and you will also be sued for credit card fraud and malicious overdraft, and the court will enforce it. If you refuse to repay after being sued and the amount you owe exceeds RMB 10,000, the court will impose a sentence based on the crime of credit card fraud in Article 196 of the Criminal Law!
Article 196 of the Criminal Law stipulates that anyone who commits credit card fraud under one of the following circumstances and 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 a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years and not more than ten years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; Or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property:
(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;
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(2) Using an expired credit card;
(3) Pretending to use another person’s credit card;
(4) Malicious overdraft.
Malicious overdraft refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and still refuses to return the card after being called by the card-issuing bank. Malicious overdrafts are a major form of risk in the credit card business and are part of credit card fraud. The credit card is 9,500 yuan overdue for 9 months. I have repaid 7,000 yuan and now still owe 2,500 yuan. The Ministry of Justice said that it will be submitted to criminal investigation for filing.
The amount has not yet reached the criminal prosecution standard for malicious overdraft credit card fraud and does not constitute a criminal offense. . But it is recommended to repay actively. 0755-88390027 Is the phone number of the Traffic and Legal Department real? The Bank of Communications credit card is overdue and it says that it has been filed. Is there a master?
This number is fake. Someone on the forum said before that someone called him with this number and said it was the legal department of Ping An Bank. Now you have changed it. It became the Bank of Communications. That's obviously fake. . Banks will rarely use this type of landline to make calls. Hope to adopt! Report to the Legal Department if your Pudong Development Bank credit card is overdue for several months
Hello,
Solutions to overdue credit cards:
1. As a credit card holder, once you lose your job When the cardholder is unable to repay the loan on time due to illness, illness or other accidents, before the final repayment period arrives, it is best for the cardholder to take the initiative to contact the bank's credit card center by phone and state
his or her financial situation. I did not owe the debt maliciously and applied for delayed repayment and interest discounts.
2. In view of the cardholder's active performance and previous good credit record, the bank will often agree to defer the repayment, and work with the cardholder to agree on a mutually acceptable repayment plan, delay period, and interest discount , monthly repayment amount, etc.
In this way, if you proactively contact the bank and get the bank's approval to defer the repayment, you will not be recorded as a bad record. However, it should be noted that you must ensure that you repay as agreed in the future.
3. If you forget to repay due to negligence, you must repay as soon as possible after discovering that it is overdue, preferably in full. Then call the bank's credit card center and state that the debt is not malicious. If the record has been good in the past, and the overdue time is short, and it is found that the repayment after the overdue period is good, it may not be recorded as a bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notifications and collection information to avoid overdue payments.
4. Credit card repayment information will be recorded by the central bank's credit reporting system on a rolling basis for 24 months. That is to say, bad credit records caused by overdue credit card repayments will be stored in the credit reporting system for two years. If terminated with a card, the corresponding records will no longer
scroll, but will be stored for a long time.
Therefore, after an overdue payment on a credit card occurs, it is best not to log out of the credit card immediately after paying off the debt. Instead, you should insist on using the card for more than two years and keep your credit in good condition during the period, so that you can
rely on it. Rolling records remove bad records from the credit reporting system.
In today’s credit society, don’t underestimate the stains of credit cards. This will cause you to be unable to handle many banking services, including car loans, housing loans, and commercial loans, so develop good card usage habits. , learn about the solutions to overdue credit cards
and be prepared! The credit card debt of 20,000 owed to the Bank of Communications is overdue for 3 months
It affects personal credit, and the bank must have started to collect the debt. Then there will be a penalty of 0.5% interest per day, and a late payment fee of 5% on the unpaid minimum repayment amount.
What should I do if my credit card has an overdue balance of 6,000 and I am told to call the police?
Hello, if you only owe 6,000, you should find a way to replace it as soon as possible. If it doesn't work, just repay the minimum every month. The minimum is about 600-700 per month. The CITIC Credit Card 50,000 is overdue for 4 months and they want me to go to the legal department
Borrow the money and repay it quickly. The bank will ask for it soon. I'm suing you.
For overdue payments, not only will there be a late payment penalty of 5% for the minimum unpaid portion (minimum 10 yuan), but also a penalty interest on the full amount of the bill (50% daily interest, interest will be calculated starting from the day of consumption, and interest will be charged monthly until the principal and interest are paid) until it is paid off), it will also produce a bad credit record in the Credit Reference Center of the People's Bank of China, which will affect your application for credit cards and bank loans within 2 years.
If you are overdue for more than three months or fail to repay more than two bank reminders, the bank will freeze your card and list you as a prohibited customer (blacklist), and may also sue you. Credit card fraud and malicious overdrafts are subject to court enforcement. If you refuse to repay after being sued and the amount you owe exceeds RMB 10,000, the court will impose a sentence based on the crime of credit card fraud in Article 196 of the Criminal Law!
Article 196 of the Criminal Law stipulates that anyone who commits credit card fraud under one of the following circumstances and 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 a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years and not more than ten years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; Or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property:
(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;
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(2) Using an expired credit card;
(3) Pretending to use another person’s credit card;
(4) Malicious overdraft.
Malicious overdraft refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and still refuses to return the card after being called by the card-issuing bank. You belong to the fourth situation. Does filing a police report on an overdue credit card count as having a criminal record?
Generally, if a credit card is overdue for 90 days, you can enter the judicial process and file a case, and the prosecution period is two years.
The consequences of not paying back the credit card (dunning steps):
① The card issuing bank will collect the due credit card loan in accordance with the law, and in accordance with the loan contract and guarantee contract (mortgage or pledge contract) ), the card issuer will file a lawsuit in court, and the court will take property preservation and other measures, including freezing the bank deposits of credit users and sealing up mortgaged and pledged properties.
② After the judgment is made, the property will be enforced according to law (withholding of deposits, auction of mortgages, etc.) to repay the bank's loan losses.
Specifically include: arrears principal, arrears interest, overdue interest and penalty interest, as well as all resulting litigation costs, related costs incurred when disposing of mortgage (pledge) properties and realizing them, etc.
③ Your credit will be affected. If you use a company as the borrower, your company will be recorded in the national bank credit consultation system, and the credit card overdraft in your personal name will also be recorded in the national personal credit consultation system. Overdue loans are recorded in .
④ If you are not maliciously defaulting on the bank loan and you are able to pay the interest on the normal credit card overdraft, it is recommended to apply for a repayment deferment to the credit card center first, stating your willingness to repay and your ability to temporarily pay off the credit card debt. Generally speaking, banks will grant lenient information based on the facts and future repayment plans. The Bank of Communications credit card is overdue for two months and owes 35,000.
Pay it back quickly. If you don’t have the money, you can find someone to pay it back on your behalf if the third installment of the bill comes out. That’s troublesome. The China Merchants Credit Card is overdue for 3 months and has received an indictment from the Ministry of Justice for RMB 80,000.
If it is a China Merchants Bank credit card, if the minimum repayment of the bill is not returned in time before the due payment date, a fee will be charged Late payment fees and interest will affect personal credit. The late payment fee is 5% of the unpaid portion of the minimum repayment amount, with a minimum charge of RMB10 yuan or USD1 yuan. Interest will be charged on all consumption in the current period from the recording date (usually the next day after consumption), with a daily interest rate of 0.05% until all is paid off. In order to avoid affecting your personal credit, it is recommended to repay the bill on time. If it is not convenient to pay off the bill in full, please pay at least the minimum repayment amount on time. Article 196 of the "Criminal Law of the People's Republic of China": Whoever commits credit card fraud in any of the following circumstances and 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 less than 200,000 yuan. A fine of not more than RMB 50,000; 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 a fine of not less than RMB 50,000 but not more than RMB 500,000; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years. or life imprisonment, and shall also be sentenced to a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identity certificates; (2) Using an invalid credit card Credit card; (3) Pretending to use other people’s credit cards; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. Anyone who steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.