My credit card has been deactivated overdue and the bank will not activate it. What should I do?

If you owe money to a bank credit card, you have to pay back the borrowed money!

1. Overdue payment will not only have a late payment penalty of 5% for the minimum unpaid portion, but also a penalty interest on the full amount of the bill (daily interest of 0.5%, interest will be calculated starting from the day of consumption, and interest will be charged monthly until the principal and interest are paid off) ) will also produce a bad credit record in the Credit Reference Center of the People's Bank of China, which will seriously affect your application for credit cards and bank loans within 5 years.

2. If the payment is overdue for more than three months or the bank has not paid more than two reminders, the bank will freeze the card and list the cardholder as a prohibited customer (blacklist), and will also Prosecute credit card fraud and malicious overdrafts, and enforce them in court. If you refuse to repay after being sued and the amount you owe exceeds RMB 10,000, the court will impose a sentence based on the crime of credit card fraud in Article 196 of the Criminal Law! What should I do if my credit card is overdue and the bank wants to report it?

If you haven't paid it back for more than 2 months, you will be reminded by phone and text messages. If it has been more than 3 months, you should be reminded by the bank. The payment slip will be sent to your home or work for you to sign and indicate the repayment time

If it exceeds 4 months, a dedicated collection agent will call or visit you to collect payment

If it exceeds 5 months, the bank may freeze your card and prepare to sue you

If it exceeds 6 months... you can first pay back part of it to show your sincerity, don't Don't pay it back at all, otherwise the bank will think you are maliciously overdrafting or even committing credit card fraud

Or take the initiative to go to the credit card center of the card-issuing bank to sign a repayment agreement. In short, be sure to answer the bank's phone calls and don't let them find you. Up to you

Stay proactive!

The blacklist is certain, but if you continue to use this card after paying it off in full and ensure good credit within 2 years, you can get it back. If the credit card is overdue and I am sued, what should I do

Actively repay as much as you have first. Individuals will never be able to beat the bank. In addition, a debt of 5,000 yuan constitutes a criminal offense - credit card fraud.

Hello, bad credit records such as overdue and malicious debt cannot be cleared manually within five years, and will affect personal credit business within this period. If the situation is serious, it will be blacklisted. Please cherish your personal information. Credit history. Thanks!

There are ways to deal with overdue credit cards:

First of all, if the repayment time has passed, repay it as soon as possible to ensure that the debt is made up;

Contact the bank account manager to see if there are overdue records and whether they can be rectified in time. Because generally banks will have a gap of one or two days for customers whose repayment exceeds the repayment date by one or two days, and no overdue record will be generated;

If an overdue record is generated by chance, the card cannot be canceled, otherwise If so, the overdue records cannot be deleted. Therefore, you need to pay off the debt, continue to use the credit card, remember to repay in time, spend more, and repair the limit;

Make sure that your mobile phone and telephone contact are smooth, because before the credit card becomes overdue, the bank account manager may Remind you to pay back the money in time to avoid overdue payment;

Never stop paying the money, it will disappear and the bank will not be able to contact you. Because credit card debts are compounded by interest and interest, it is very scary. It is even possible to borrow 5,000 and pay back 50,000 in 2 years. The bank will sue and let the court enforce it;

Produced For overdue records, make sure that no more overdue records occur within the next five years. After five years, the overdue records will be cleared. At the same time, if you are going to buy a house or otherwise require personal credit checking, you can consider negotiating with the bank and asking it to provide you with a non-malicious overdue record statement. This can also ensure that the bank will lend you a loan.

My ex-husband’s credit card is overdue, but the bank has blocked my credit card. What should I do?

You said it was your ex-husband! She must be divorced! In this case, it should be none of your business if he owes you money! Maybe you can go to the bank and explain it clearly. My credit card is overdue and the bank says it will file a lawsuit. What should I do?

Hello.

1. The criminal liability mentioned by the bank may refer to your involvement in credit card fraud. Credit card fraud stipulated in my country's criminal law: Anyone who commits credit card fraud under one of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other If the circumstances are serious, the person shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years but not more than 10 years, and shall also be sentenced to a fine of not less than 50,000 yuan but not more than 500,000 yuan. A fine of not less than RMB 50,000 but not more than RMB 500,000 or property confiscation may be imposed: (1) for using a counterfeit credit card; (2) for using an expired credit card; (3) for fraudulently using another person’s credit card; (4) for malicious overdraft. If you have no malicious intent subjectively and no fraudulent behavior objectively, it should not constitute a criminal offence.

2. The bank requires you to repay the loan and assume liability for breach of contract through civil litigation, which can be sued. You can explain the situation, try to negotiate a settlement with the bank, and give you a certain repayment period, etc. for your information.

In the case of credit card overdrafts, the distinction between bona fide overdrafts and malicious overdrafts should also be analyzed from the intentional content of the perpetrator. If the perpetrator has the intention to illegally possess other people’s property, it is a malicious overdraft. On the contrary, It is an overdraft of goodwill.

The so-called malicious overdraft, according to the provisions of the second paragraph of Article 196 of the "Criminal Law" on the crime of credit card fraud, means that the cardholder of the credit card has overdrafted beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and the card has been issued. The act of not returning the money after being called upon by the bank

The essential difference between a bona fide overdraft and a malicious overdraft lies in the subjective differences of the perpetrators. Both objectively cause overdrafts, but the perpetrator of the overdraft in good faith has the subjective intention to use it first and pay back the overdraft and interest at that time, while the perpetrator of the malicious overdraft has an overdraft. In order to keep the overdraft as their own, they do not want to repay it or are unable to repay it, and they resort to absconding to avoid debt.

You have to tell the bank in action that you will repay the loan, and you will not go to jail. Generally, banks will charge relevant fees and leave you with a bad credit record, which will affect your future loans.

The card can continue to be used! However, liquidated damages must also be paid! What’s more, the credit limit will be greatly reduced! My credit card is 7 months overdue, what should I do if the bank sues me?

Repay in time, otherwise you will be charged late fees and interest, and may even bear legal liability. If the overdraft exceeds 5,000 and is not repaid, it constitutes credit card fraud.

Failure to repay credit card debt will have the following main consequences:

1. High overdue interest will be incurred.

2. The bank will sue you in court, which will incur economic losses such as litigation costs and attorney fees.

3. Individuals will have bad credit records, which will have an impact on future bank cards and loans.

4. If the amount owed exceeds 10,000 yuan, it constitutes a crime of credit card fraud and will be held criminally responsible.

"Criminal Law"

Article 196: Whoever commits the crime of credit card fraud under one of the following circumstances and conducts credit card fraud activities and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or Criminal detention and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge Or if there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated.

The Supreme People's Court's "Interpretations on Several Issues Concerning the Specific Application of Laws in the Trial of Fraud Cases" stipulates that "anything over 5,000 yuan is considered a large amount, anything over 50,000 yuan is a particularly huge amount, and 200,000 yuan The above amount is extremely large. It can be seen that if it reaches 5,000 yuan, it constitutes a crime of credit card fraud.