1. If the overdue behavior of the credit card does not constitute a crime, the party concerned shall bear civil liability. If the bank brings a civil lawsuit against the party concerned, the party concerned shall repay the loan as soon as possible. If it fails to repay the loan, the people's court may blacklist the party concerned;
2. The overdue credit card behavior is caused by malicious overdraft, which may be suspected of constituting the crime of credit card fraud, and will be investigated for criminal responsibility, and the judicial organ will judge the parties accordingly.
the longest time limit for freezing the deposits of the executed person is six months. If it is necessary to continue to freeze, the freezing procedures shall be handled at the bank, credit cooperative, etc. before the expiration of the freezing period. Otherwise, if it is not handled within the time limit, it will be deemed as automatic unfreezing.
Legal basis: Article 196 of the Criminal Law of the People's Republic of China
Credit card fraud is committed under any of the following circumstances, and if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, 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 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: < P > (1) using a forged credit card or using a credit card fraudulently obtained with false identification;
(2) using an invalid credit card;
(3) fraudulent use of another person's credit card;
(4) malicious overdraft.
the malicious overdraft mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.
Theft Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.