In fact, anyone who owes more than 1, yuan may be prosecuted. However, it is not how many tens of thousands users owe that they will be sued by the bank. Although the prosecution is related to the amount, it is not only determined by the arrears, but also depends on the overdue time and the attitude of the debtors.

within 1-3 months of overdue, users still have many opportunities to go ashore. During this period, the bank basically sends text messages and calls to remind users, which is quite a toast. If it is overdue for 3 months, it will be suspected of deliberately not paying back the money, and it may be necessary to drink a fine wine.

if a credit card is overdue for 2 months, it will not only generate overdue fees, but also affect personal credit information, and may not be able to use the credit card normally, and even more seriously, it may face bank prosecution.

Therefore, there must be no overdue repayment. If personal credit is tainted, it will have an impact on future life, and even it is impossible to borrow money to buy a car or a house.

In fact, there are many cases of overdue payment, such as forgetting repayment, bank transfer delay, malicious overdue, long-term arrears, etc. In each case, the consequences of overdue payment will be different. Some people may still be able to use their cards, but the users will never have the right to use their credit cards. Here are several situations to discuss:

1. For those cases of malicious overdue payment and short overdue time, banks will generally turn a blind eye as long as they are overdue.

2. If the overdue period is too long and the overdraft is malicious, the bank will freeze its credit card if it fails to repay for more than 3 months, and it may not be possible to use the credit card after paying off. However, it is best to contact the credit card customer service to see if it can be unfrozen.

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