1. What if the credit card is overdue for 2 years?

1. Actively negotiate with the bank for repayment, and work out a repayment plan acceptable to both parties. Don't negotiate for the sake of negotiation. If the repayment amount exceeds your ability, it is easy to be overdue for the second time.

2. Provide proof of temporary insolvency due to irresistible factors such as bankruptcy and sudden illness, including personal credit information, hospitalization certificate and no work certificate. And prove to the bank that it is really difficult to pay off the debt at one time.

3. Make a repayment plan to inform the bank that it is unable to repay in full at present, but the cardholder has the will and ability to repay in installments. It is best to provide proof of work income or income flow. Banks will not trust cardholders if they are unwilling to take action.

Second, what will happen if the credit card is overdue for 2 years?

1, 2 years overdue will produce bad credit records, which will affect the cardholder's subsequent business in the bank, such as car loans and mortgage loans, and will also affect the cardholder's spouse's application for loan business in the bank;

2. Overdue repayment will generate interest and liquidated damages. If the delay is too long, it will generate high interest and late fees. The longer the delay, the more interest will increase.

3. If it is overdue for more than half a year, the bank may bring a civil lawsuit to the court and demand compulsory repayment. If it refuses to repay, the court may auction the property under the cardholder's name.

4. If it is a malicious overdraft, the overdue amount exceeds 50,000 yuan, then the bank will sentence the cardholder to be maliciously overdue, and the large amount may involve the crime of credit card fraud, and criminal responsibility needs to be investigated.

3. Can I continue to use my credit card if it is overdue for 2 years?

After the credit card is overdue for two years, even if the debt is paid off, whether the credit card can continue to be used depends on the bank's decision, and it may not be able to continue to be used. Usually, if the credit card lasts for more than two years, all consumption functions will be restricted. Cardholders can neither spend nor withdraw cash, but only repay the arrears.

After the debt is settled, if the cardholder can apply to the bank to restore the credit card function, then the credit card can be used normally. However, if the bank refuses the cardholder's application for recovery, it can only reapply for a credit card. And if you don't pay off your debts, even applying for a new credit card will be rejected by the bank.

If the credit card is overdue, the cardholder shall bear civil liability and pay liquidated damages. If the circumstances are serious, they shall also bear criminal responsibility. It is illegal to have a credit card that is overdue and has not been repaid after being collected by the issuing bank, which can be identified as credit card fraud.