1. Users should first find out whether to file a criminal case or a civil case, and find out the nature of the case before taking different solutions. Because if the user's credit card in the bank is overdue for more than 5, yuan and the overdue time is long, it is likely that he will be fined or even imprisoned for criminal filing. If it is only a simple civil case, the user only needs to go to court to respond normally.
2. Take civil filing as an example. If a lawsuit is brought to the court, the user needs to appear in court at the specified time, and the court will negotiate with both the bank and the user to find a result acceptable to both parties. After successful negotiation, users can operate according to the new repayment plan, and personalized repayment can be divided into 6 periods at the longest, so the repayment pressure of users will be greatly reduced.
3. If it has been determined that a criminal case has been filed, it is necessary to negotiate privately with the bank quickly, pay off the arrears as required, and then let the bank withdraw the case, then there is still a good chance to solve the problem. During the negotiation between the two sides, the attitude must be correct and positive, otherwise it is very likely that you will go to jail.
Note: If users can't repay their credit cards by installments or the minimum repayment, if they are overdue, they should try to repay some of them every month within their own ability, indicating that they are not malicious and have the willingness to repay, so the bank is likely to take the initiative to contact users to deal with them and avoid being sued for filing a case.
what should we do after the credit card expires
1. If there is an overdue situation when using the credit card. But we didn't receive a phone call from the bank, just a short message from the bank or an email about deposit. At this time, I need to call the bank at the first time to explain why, and what I need to do at the same time is to return the money to the bank in time. Only in this way, there will be no bad records in the credit investigation.
2. In another case, the overdue time is not more than 3 months, and during this period, I also received various collection calls from banks or collection companies. However, the credit card used has not been frozen. What needs to be done at this time is to contact the bank actively. Express the willingness to repay in communication. If you can repay in full, you will pay back in full. If you can't, you will arrange with the bank to repay in installments and return the money you owe to the bank on time every month.
3. In addition, in terms of overdue time and more than three months, the bank card is also frozen at this time. Interest will be generated at this time. We should never change the number on our own initiative. We need to call the bank at the first time to explain something. Mainly shows that he is not malicious default, because what kind of reasons caused the overdue. At the same time, it is necessary to agree with the bank on the length and amount of repayment, and it is best to make timely repayment within the range that you can bear.
To sum up, it is Xiaobian's relevant answer on how to deal with the credit card after it is put on file. I hope it can help you.
Legal basis:
Article 196 of the Criminal Law commits credit card fraud under any of the following circumstances, and if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) Malicious overdraft.