1. Will you be sued if you owe 10,000 yuan on a credit card?
If you owe 10,000 yuan on a credit card to a bank, you can be sued and sentenced.
Article 196 of the "Criminal Law of the People's Republic of China" Whoever falls under any of the following circumstances shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan. Fine; 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 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 10 years or life imprisonment and shall also be fined not less than 50,000 yuan. A fine of less than 500,000 yuan or property confiscation;
(1) Using a forged credit card, or a credit card obtained by using false identity certificate;
(2) Using an invalid credit card;
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(3) Pretending to use another person’s credit card;
(4) Malicious overdraft; the so-called malicious overdraft in the preceding paragraph means that the cardholder exceeds the prescribed limit or period for the purpose of illegal possession. Overdraft, the act of returning the card after collection by the issuing bank. Anyone who steals and uses a credit card shall be convicted and punished in accordance with the provisions of Article 264 of this Law.
2. How long can overdue credit card records be eliminated?
First of all, credit card overdue records are usually completely eliminated after 5 years. During this period, overdue behavior or credit investigation behavior is not allowed. If a If you make regular repayments within the year, your previous bad credit record will be refreshed.
Second, another situation is that overdue records can be eliminated every other month. Many banks now have time tolerance services. Grace time is what we often call the grace day, usually about 3 days. Tolerance means that cardholders can have a certain balance on each repayment bill day. Within the specified range, it is regarded as normal repayment, and there will be no bad records such as overdue payments.
3. How long does it take to be prosecuted if a credit card is overdue?
First of all, the definite answer is that cardholders are usually overdue for more than three months. If the bank fails, he will use legal weapons. At this time, he will sue the repayer normally, and the bank will define the repayer as credit card fraud.
Second, when the cardholder’s credit card fails to repay after that grace date, the bank will reduce the credit card limit nearly a week later.
Third, if the cardholder is overdue for one month, the bank will use SMS collection in the first half of the month and phone collection in the second half of the month. If the cardholder is overdue for more than one month, the bank will hire a third-party collection company Directly contact families or companies for collection. Of course, this also greatly affects the normal life of cardholders.
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