1. Will I go to jail if my credit card is overdue for three months?

Credit cards that are overdue for three months may go to jail.

If it is overdue for three months, the bank needs to report the case to the borrower before going to jail. According to the judgment of the court, there will be different ways to deal with it. If criminal responsibility is involved, you need to go to jail. If it is only a civil liability, it is necessary to repay the principal and interest owed by the credit card and part of the fine.

Will you go to jail if your credit card is overdue for three months?

Second, the consequences of overdue credit cards

1, credit stain. Credit card overdue repayment records will enter the central bank's credit information system, resulting in bad credit records. Now that personal credit records are networked all over the country, it is very likely that loan applications will be rejected.

2. Credit card late payment fee. The so-called credit card late payment fee refers to the fee that the cardholder should pay to the issuing bank in accordance with the regulations when the repayment date is due (inclusive) or when the repayment amount is lower than the minimum repayment amount.

3. Overdue interest. Users usually have an interest-free repayment period of 20 days to more than 50 days after overdraft by credit card. If the cardholder fails to repay the loan within the time limit, the cardholder will no longer enjoy the interest-free treatment of all the expenses of the bank last month, and the regular daily interest rate is as high as 50,000, that is, the annual interest rate reaches 18%.

The credit card is overdue, but it is not serious (occasionally overdue, short time) and you can still apply for a credit card.

Credit cards are generally overdue for three consecutive periods, and the accumulated credit history of six times is very serious, so it is difficult to apply for a credit card again.

3. Can I get a loan if my credit card is overdue?

You can also borrow money after the deadline, but the pass rate will be lower. After the credit card is overdue, we must first determine whether to conduct credit investigation. Even if each bank has different requirements for credit reporting, you can try to apply for a loan, and maybe the bank will pass. Overdue for more than two years, the loan has little impact.

If in the last two years, there were three times and six times of fatigue in the process of using credit cards every year, a credit survey was conducted. When applying for a loan, any bank will refuse the loan. Therefore, if you want to apply for a loan in a bank, you'd better check the credit information in advance to avoid wasting time.

Don't panic if the arrears are overdue. The Legal Aid Association will negotiate and a professional team of lawyers will plan the repayment plan for you.