It is against the law to threaten family members with expired credit cards.
If the other party keeps calling to harass and threaten family members, then it is considered a violent collection and you can call the police. However, if the other party only calls to collect money, you can also consider complaining to the relevant departments. If your credit card is overdue when you use it. But we did not receive a call from the bank, only a text message or deposit email from the bank. At this time, I need to call the bank as soon as possible to explain the reason. At the same time, what I need to do is return the money to the bank in time. Only in this way will there be no bad records on your credit report.
The consequences of overdue credit card repayment are as follows:
1. Overdue interest will be charged;
2. Credit card late payment fees will be incurred;
< p>3. It will produce a bad credit record;4. Over time, litigation costs may arise.
To sum up, the overdue period did not exceed 3 months. During this period, I also received various collection calls from banks or collection companies. However, the credit card used has not been frozen. All you need to do at this time is to contact the bank proactively. Express your willingness to repay in the communication. If you can repay the full amount, repay it in full. If not, make arrangements with the bank for installment repayment, and return the money owed to the bank on time every month.
Legal basis:
Article 42 of the "Public Security Management Punishment Law"
Whoever commits any of the following acts shall be detained for not more than 5 days or fined 500 yuan The following fines shall be imposed; if the circumstances are serious, the person shall be detained for not less than 5 days but not more than 10 days, and may also be fined not more than 500 yuan:
(1) Writing threatening letters or threatening the personal safety of others by other means;
p>
(2) Blatantly insulting others or fabricating facts to slander others;
(3) Fabricating facts to frame others in an attempt to subject others to criminal prosecution or public security management penalties;
(4) Threatening, insulting, beating or retaliating against witnesses and their close relatives;
(5) Repeatedly sending obscene, insulting, threatening or other messages to interfere with the normal life of others of.