1. What to do if a person is detained and his credit card is overdue

We all know that an overdue credit card will cause a lot of unnecessary trouble to the cardholder. If the cardholder is detained and cannot repay the loan in time, the cardholder can entrust a family member, relative or friend to handle the repayment on his behalf. The debtor cannot be exempted from credit card repayment responsibilities due to reasons such as detention, imprisonment, restriction of personal freedom, etc., so do not postpone or refuse repayment with this mentality. Of course, if you are really detained, you need to entrust a family member or friend to handle the matter on your behalf in a timely manner, otherwise you may be charged with credit card fraud due to being overdue for a long time.

2. What to do if an accident occurs and causes overdue repayment?

If the debtor has an unexpected accident that causes overdue repayment, there is no need to panic. First of all, most banks have repayment deadlines, as long as the cardholder can pay off the overdue bills within the repayment deadline. If you have exceeded the bank's repayment period, don't worry too much. You can call the bank to inform the bank of your situation, explain to the bank the reasons for overdue repayment, or you can show proof that you have gained trust and express your sincerity to the bank. attitude and willingness to repay, and then pay off the bill after obtaining the bank's consent.

3. How much does it cost to go to jail for an overdue credit card?

Not only will a credit card be overdue for a long time, it will constitute a crime of fraud, but the overdue amount of a credit card will also be defined if it is not repaid within a certain period of time. "Malicious overdraft" constitutes the crime of credit card fraud. If a credit card maliciously overdrafts a relatively large amount, but the entire overdraft is paid off before the public security organ files a case, if the circumstances are minor, criminal liability may not be pursued in accordance with the law.

It should be noted that the longer the overdue period is, the more late payment fees and penalty interest will be incurred by the credit card. If an accident occurs and you fail to receive a call from the bank, be sure to wait until you get it. Explain clearly to the bank as soon as possible after calling the phone to avoid the bank deeming it to be overdue intentionally.

If there are any unclear or new situations, we recommend that you call us directly for free consultation so that you can understand the communication case situation and provide you with detailed and targeted answers to avoid problems due to incomplete information and poor communication. , the answer is wrong. I wish you success in safeguarding your rights.