1. Is a credit card overdue for three months serious?

1. A credit card overdue for three months is serious. If a credit card is overdue for three months, the following consequences will occur: Late payment fees due to overdue credit cards; higher interest rates, and the credit card no longer enjoys interest-free treatment for the last month's payment; extremely serious personal bad credit record; the bank will file a lawsuit against the holder in court ; Corresponding criminal liability.

2. When your credit card is overdue for three consecutive months, the bank will come to you to collect the money. If you have a bad attitude and refuse to repay, you will file a lawsuit. This will not only affect you, but also affect your future civil service examination. Something like that.

3. If the credit card is overdue for three months and the bank’s collection has no effect, the bank can file a lawsuit in court. Three months is indeed a very important time point. As the old saying goes, only three things can be done. If you are overdue once, you will have to remember it. If you make mistakes many times, you will have to pay for your mistakes.

2. What will happen if you are sued for an overdue credit card?

1. Continuous reminders from the bank

(1) When the borrower repays overdue, The bank's credit card customer service center will first make multiple phone calls;

(2) If the payment is still outstanding, the bank will entrust a third party to collect, usually through continuous phone calls, text messages, or even door-to-door collection; If the loan is not repaid multiple times, the bank will file a lawsuit in court.

2. Being sued by the bank and unable to apply for a loan

The cardholder will be added to the credit blacklist and unable to apply for a loan. The court will collect collection. After receiving the court summons, after investigation and Persuade and urge repayment, but if the cardholder refuses to repay, the court can take enforcement action; subsequently, the court will liquidate the cardholder's assets to repay the card debt and freeze the relevant property.

3. Malicious default will result in imprisonment and fines

If your credit card is overdue for three months, it can be considered a malicious overdraft penalty. However, if you communicate with the bank in advance and prove your repayment, If you have a repayment ability and a repayment plan, you will generally not face criminal liability. However, the court ruled that cardholders who still do not return will be dealt with in accordance with the "Criminal Law". In serious cases, they may face consequences of three years in prison and fines. In particularly serious cases, they may face longer term imprisonment of three to seven years and fines. fine.

If there is an overdue situation when using a credit card, you must pay attention to it, actively contact the bank, explain the situation, and repay in time. If you cannot pay it off at once, you can apply for multiple repayments. As long as you are willing to repay the loan, the bank will generally handle it based on the situation. Otherwise, the longer the overdue period is, the more disadvantageous it will be to you.