Generally, people with overdue credit cards will not be arrested, but there are exceptions, that is, the credit card debtor's overdue situation is very serious, for example, if the credit card debt has not been paid back for more than 90 days, the card-issuing bank can Choose door-to-door collection, but you need to complete a series of legal procedures, such as arranging for a third-party notary to witness.

1. Will people come to arrest people if their credit cards are overdue? Nowadays, overdue credit cards generally do not come to collect money. However, if the cardholder's credit card bill is overdue for more than 3 months, and the bank has tried two effective collections to no avail, in order to recover the debt, the bank will arrange for collection personnel and third-party notaries to obtain the cardholder's credit card bill. With consent, door-to-door collection will be carried out. If the door-to-door collection still fails, the bank may choose to sue the cardholder directly. Once the cardholder is sued, he may be listed as a breach of trust person. 1. After the user uses a credit card to overdraft, there is usually an interest-free repayment period ranging from more than 20 days to more than 50 days; 2. If the cardholder repays overdue, the cardholder will no longer enjoy all the expenses of the previous month. The bank's interest-free treatment, and the recurring daily interest rate is as high as five ten thousandths; 3. If the credit card is not repaid for more than three months, the bank will ask a lawyer to issue a lawyer's letter to the user and file a lawsuit in court. The litigation costs will be borne by the cardholder. bear.

2. What are the consequences of overdue credit card repayments? Overdue credit card repayments have serious consequences, so overdraft consumption should be moderate. Although the biggest feature of a credit card is its overdraft function, it actually constitutes a loan relationship between the customer and the bank. Failure to repay when due may not only cause legal disputes, but also bear high penalty interest, and most importantly, Forming a bad credit record will have a negative impact on future work and life.

1. Consequence 1 of overdue credit card repayment: high penalty interest. After a credit card defaults, the penalty fees usually involved are recurring interest fees and late payment fees. Revolving credit is essentially a small, unsecured loan that accrues interest on a daily basis. If the full amount is not repaid on the final payment date, revolving credit interest will accrue on the next statement, and it will start from the date the consumption is recorded. Calculate interest.

2. Consequence 2 of overdue credit card repayment: legal disputes. Violent debt collection on credit cards has become a hot topic. Many bank credit card centers outsource credit card repayment collection to some so-called "debt collection companies." These companies have mixed quality and rough debt collection methods, causing great trouble to customers.

3. The third consequence of overdue credit card repayment: leaving a “credit stain” in the national credit reporting system. As long as you apply for a card or get a loan at a bank, your own "credit report" will be automatically generated in the system. The "stains" in this report cannot be ignored, as it will affect your application for various types of loans and insurance. , job hunting, studying abroad, etc. Bad records are generally retained abroad for 7 years. Citizens’ overdue negative records will no longer remain with them for life. If they can repay their loans on time and in full for five consecutive years, their credit can be restored. After a credit card debtor is overdue, the card-issuing bank will generally collect money from the debtor in a manner permitted by law to protect its property rights. If the credit card debtor's overdue situation is very serious, the card-issuing bank may choose to file a lawsuit with the People's Court. , you can also choose to collect collection through door-to-door collection.