1. How serious are the consequences of overdue credit cards?

The consequences of overdue repayment of credit cards are very serious, affecting personal credit information, buying a house and car in the future and applying for going abroad. Cardholders refuse to repay or even cancel their credit cards after bank collection. This is a malicious overdue, which will not only affect the future purchase of a house and a car, but also affect the education of children.

According to the law: if the overdue time is more than three months and the bank refuses to repay the loan twice, it is judged as malicious overdraft. If the amount of malicious overdraft is less than 654.38+10,000 yuan, which is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention; Malicious overdraft of 65438+ ten thousand-1 ten thousand, with a huge amount, shall be sentenced to fixed-term imprisonment of more than five years 10 years.

2. Will I go to jail if my credit card is overdue?

If the credit card is overdue, it is likely to face the risk of imprisonment, but there are preconditions. Under normal circumstances, the overdue amount is more than 50,000 yuan, and then the overdue time is more than three months, and in the case that the bank fails to collect it twice, it is a malicious overdraft, and the malicious overdraft is below 654.38+10,000 yuan, which is a large amount and the maximum sentence is five years;

Malicious overdraft is 654.38+ 10,000-654.38+10,000, which is huge. The maximum sentence is ten years, and the malicious overdraft is 6,543,800 yuan. If the circumstances are serious, they shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment. In fact, the main purpose of the bank is to pay back the money, and it is helpless to sue for imprisonment. Therefore, after the credit card is overdue, repayment on time is the right way.

3. What are the remedies for overdue credit cards?

1. Continue to use this credit card for 24 months. After the credit card expires, continue to use this credit card for 24 months, and cover the previous bad records with normal and good credit records.

2. Don't run away, otherwise the bank will judge it as malicious overdue, and the cardholder will be prosecuted if you can't contact him.

3, full repayment, the best solution after the credit card is overdue is full repayment, and then call the credit card customer service staff to explain that it is not malicious overdue and eliminate overdue records.

4. The inability to repay needs to be explained. If the financial capacity is limited and unable to repay, we must take the initiative to negotiate with the bank, apply for deferred payment by installments, or solve the financial pressure by stopping paying interest.

Therefore, after applying for a credit card, you must spend rationally according to your repayment ability. The consequences of overdue credit cards are still very serious, which will affect personal credit information and bear criminal responsibility. Moreover, if it is overdue, there will always be a bad credit record. After buying a house and a car, the chances of applying for a credit card again are slim, which will also affect your normal life, work and travel. Therefore, it is best to try not to be overdue!

If you can't find a suitable lawyer to help you, please poke the consultation button below, and we will arrange a professional lawyer to answer your questions.