1. Is it true that the police station called you when your credit card is overdue?

Short-term credit card overdraft is not a serious problem, but once it is overdue for more than 3 months, It may have very serious consequences!

First of all, remember that as long as your overdraft principal does not exceed 50,000 yuan, no matter what, the debt relationship between you and the bank is only a civil relationship. Although the bank will urge you, or further entrust a third party to urge you, or even go to court to file a civil lawsuit, these have nothing to do with the police, and no police will come to you.

However, if your overdraft principal exceeds 50,000 yuan, is overdue for more than three months, and has been outstanding by the bank for more than two times, the cardholder may be guilty of credit card fraud. If the bank calls the police, the cardholder will be investigated by the public security organs for suspected credit card fraud.

Therefore, if the amount of debt owed is large and the arrears have been delayed for a long time, the bank may call the police. In this case, we receive a call from the police station.

2. Will you be detained if your credit card is overdue?

According to the "Criminal Law of the People's Republic of China", overdue credit cards are only civil matters, and even if you are detained, you may not be detained for more than 15 days. The longest period of criminal detention shall not exceed 37 days. But as mentioned above, if the amount owed reaches more than 50,000 yuan and has not been returned for more than 3 months after two collections by the card-issuing bank, it will be regarded as a malicious overdraft under the criminal law and suspected of credit card fraud.

If the amount of credit card fraud is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, plus 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, he shall be sentenced to not less than five years but not more than 10 years. Not less than 10 years of fixed-term imprisonment or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or Confiscation of property.

3. How to solve the problem after being sued for overdue credit card

1. Repay in full. If the debt and interest can be paid off in one go, there will be no other impact except the credit information. question.

2. Reconciliation and negotiation with the bank are also the court’s priority, and there will be no confrontation in court from the beginning. Explain the situation clearly to the bank and prove your financial pressure and repayment plan. If the situation is good, you can reach a reasonable agreement with the bank.

3. Prove that you are not overdrafting maliciously, and confirm that credit card funds have not been used in illegal places.

Don’t worry if your debt is overdue, one-on-one legal services will provide you with a solution.