There are two types of cases for defaulting on credit card payments, one is a criminal case and the other is a civil case. The filing standards of the two are different.

Among the many debts, credit card money is the most difficult to owe, because it is money lent to you by the bank, and it is loaned out using your credit. If you do not repay it on time, , if the card is overdue, the credit report will be filed, and the cardholder can also be legally charged for collection, but if the collection fails, he can confidently go to court to sue. It will be more troublesome if the case is filed later.

There is no amount threshold for opening a bank case

Generally speaking, there is no amount threshold for opening a case based on the amount of credit card owed. It mainly depends on the type of filing of the case. The loan amount can be up to 5 When the amount exceeds 10,000 yuan, it can be classified as a criminal case, and it also includes malicious overdrafts on credit cards. For example, if the overdue time is more than three months, and two collection attempts by the bank have failed, then this situation may be classified as a criminal case. In this case, the debtor will be held criminally responsible and sentenced for the crime of credit card fraud.

And if you still fail to repay the loan within the stipulated time after the court prosecution, you will most likely need to go to jail. In addition to criminal cases, there is another type of civil case filing. Relatively speaking, civil cases do not have so many requirements. No matter how much you owe or how long you owe, the bank can directly go to court to sue and require the debtor to repay. , and as long as the bank sues, the court will file a case and accept the case, requiring you to pay off the debt in time.

Active negotiation is the solution

If you do not pay off the debt on time, although you will not be sentenced, it is very likely that you will be directly listed as a defaulter. That is to say, if the old man is listed as a person subject to execution for dishonesty, then there will be great changes in future development and travel. First of all, you cannot drive on the expressway or take the high-speed rail, so the great rivers and mountains of this motherland will also be lost. It's hard to see what's going on. However, there is a way to save it. No matter how much you owe, you are sued by the bank, or the case is filed in court, you can actively negotiate with the bank for repayment before the judgment is made.

Because the ultimate purpose of filing a case with the bank is to allow the debtor to repay the debt on time. If the debtor is indeed unable to pay off the debt on time due to special circumstances, he or she can negotiate with the bank to suspend the interest rate and suspend the loan. This debt must be repaid in one lump sum over about five years. The serious consequences that will be brought to the borrower after the case is filed can also be illustrated through an example.

What should I do if I really can’t get enough?

For example, there is a person who owes the bank 5,000 yuan, but has never paid it back, and even changed his mobile phone number midway. , then he is very likely to be taken away directly by the local police station criminal police when he goes out one day, and the criminal police also have the right to hold him in the detention center for 24 hours. He must wait until his family comes over and pays off the debt. Leave, so it can be seen from this case that there is no connection between the arrest and the overdue amount and time.

If you really repay the bank debt, the correct way is not to change your mobile phone number. Instead, keep your mobile phone open so that people at the bank can contact you at any time. It is best not to travel to other places on business. , when you receive a collection call from the bank, you must answer the call. Don't lose contact. Explain the situation to the bank, explain the reasons why you are really unable to repay, and try to negotiate with the bank for repayment. Only in this way can you avoid jail time. Although it does not mean that overdue debt will lead to jail time, the bank's bottom line cannot be violated.