With the increasing popularity of credit cards, almost all young people now have credit cards. In fact, credit card is a good thing, because it can help us when we need money badly. But some people can't control their desire to buy at all, so they think they will maliciously overdraw their credit cards. So, what happens if the credit card is really overdue? Will there be any consequences? You can't bear these consequences!
The first consequence: affecting personal credit information.
Now it is a credit society, and personal credit investigation is very important for a person. If personal credit information is tainted, it is basically impossible to buy a house and a car with a loan in the future. First of all, one thing needs to be clear, that is, if the credit card owes money and does not pay it back, it will definitely have a serious impact on credit reporting.
In the old version of the central bank's credit report, bad records were kept for 5 years and good records were kept for 2 years. The new version of the credit report, personal credit report shows "5-year repayment record". And in the future, everyone's monthly repayment records and breach of contract will be reflected in the report in detail. Therefore, you must not owe money, or you will go to the central bank's credit information system, which will affect the loan to buy a house and a car in the future. If the circumstances are serious, you will be restricted from traveling and unable to buy air tickets or train tickets.
The second consequence: if the circumstances are serious, it may constitute a crime.
First of all, I want to explain a term here, that is, what is a malicious overdraft of credit cards. The so-called malicious overdraft means that for the purpose of illegal possession, you overdraw beyond the prescribed limit, and the bank urges you to repay twice, and you have not returned the money to the bank for more than 3 months. Banks will adopt different collection methods according to different situations. Of course, banks are legal institutions, so their collection methods must be legal.
In order to give you enough repayment time, the bank will provide repayment "time tolerance" service and increase repayment tips every month. Generally, overdue credit cards do not constitute a crime. However, if it constitutes a crime of credit card fraud, then you need to bear legal responsibility. If the circumstances are serious, they may also face the risk of imprisonment.
In short, everyone must remember to pay back the money owed to the bank in time. In addition, don't maliciously overdraw!