No, credit card regulations stipulate that if the overdue amount reaches the standard of 3,000, you may be prosecuted. If you reach 10,000 and you refuse to answer the phone despite repeated reminders, you will be directly prosecuted for malicious fraud and risk going to jail. If it’s serious, it’s not just a credit report. All your account cards will be monitored and frozen, and any money will be deducted directly. A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

:

1. What will happen if your credit card is sued and you have no money?

What will happen if your credit card is sued and you have no money? What will happen if the overdraft amount reaches 10,000? If the amount exceeds RMB 10,000 and the card-issuing bank still fails to return it after two collections for more than 3 months, it shall constitute a crime of credit card fraud and shall be prosecuted for criminal liability. If the borrower is indeed unable to repay, he should negotiate with the bank as early as possible, express his willingness to repay, and try to reach a repayment agreement as much as possible. If an agreement cannot be reached, the bank will file a civil lawsuit, and the court will mediate or make a judgment depending on the situation.

2. How long does it take for the court to enforce enforcement after being sued for credit card debt?

The general enforcement period for cases is: 6 months. This mainly refers to cases in which the person subject to execution has property available for execution. The execution court shall generally conclude the execution within 6 months from the date of filing the case (in non-litigation execution cases, the administrative agency shall make specific administrative actions and the court shall take compulsory measures. To ensure the realization of specific administrative actions, such cases should generally be concluded within 3 months from the date of filing). If there are special circumstances where the execution period needs to be extended, the application should be submitted to the president or vice president of the hospital for approval. Applications for extending the execution period should be submitted within 5 days before the expiration of the period.

3. How to negotiate with the bank after a credit card is sued

Customers should try their best to explain the situation clearly to the bank customer service before the court accepts the case, and show the bank that they did not intentionally fail to pay back the due date. Explain clearly your inability to repay the loan and provide corresponding supporting documents (such as proof of termination of labor contract, unemployment certificate, etc.), and then you can try to apply for extending the repayment period and repaying the debt in installments, while also paying back the debt. You can try to apply for suspension of pending accounts.

4. How to restore the use of a frozen credit card

If the cardholder's credit card is frozen due to problems such as theft or hacker attacks, the cardholder can go to The bank promptly modifies the account security information and then directly applies for unfreezing the credit card. Generally speaking, the unfreezing can be successful. If the credit card is frozen because the cardholder himself swiped the card abnormally on the POS machine, the cardholder can contact the credit card application platform to explain the reason to the customer service and provide evidence such as consumption receipts. After the review is passed, the cardholder can apply for the credit card to be unfrozen. Can.