In the era of credit consumption, many young people are used to paying by credit card. Although credit cards have brought more convenience to our life, water can carry a boat and overturn it. If the credit card is used improperly, it is likely to cause some risks, the most common of which is the risk of overdue credit card. If the credit card is overdue, it may be filed. Let's take a look at the 2020 credit card overdue filing standards.

There are two cases of overdue filing of credit cards, as follows:

1, criminal filing. I believe you can see from the word "criminal" that this kind of filing is more serious, so there will be certain threshold requirements for criminal filing. Only overdue users who meet the standards of criminal filing will be prosecuted by banks, and relevant departments will file criminal cases.

If the overdue amount of the credit card holder reaches 50,000 yuan, and the user still fails to repay the loan for more than 90 days, then the bank can institute criminal proceedings against the cardholder on the grounds of malicious overdraft.

2. Civil filing. Compared with criminal filing, the standard of civil filing is much lower. If the overdue credit card does not meet the criteria for criminal filing, a civil case can be filed.

Simply put, banks can only bring a civil lawsuit to the court if the cardholder has overdue behavior, no matter how much the credit card is overdue.

It can be seen that the consequences of overdue credit cards are more serious. But usually, after the credit card is overdue, the bank will not sue the cardholder immediately, but will call to collect it first. Only in the case of repeated collection failure can banks sue overdue users.

If the cardholder fails to pay off the debt carelessly, it is recommended to pay off the debt as soon as possible. If the credit card is temporarily unable to repay the debt due to excessive consumption, it is recommended to repay it according to the minimum repayment amount or to handle the installment, which will pay some interest expenses, but will not affect personal credit. In addition, you can also try to contact the bank on your own initiative to negotiate repayment with the bank.

Generally speaking, the consequences of overdue credit cards are very serious. When using credit cards, everyone must spend reasonably and repay on time.

This answer is provided by Kangbo Finance, focusing on the interpretation of financial hot events, the popularization of financial knowledge, the pursuit of professionalism and interest, so that the financial content that the people can understand can convey financial value in vivid and diverse ways. I hope this answer is helpful to you.