Three months later

1. What to do if the postal credit card is overdue

1. First, we should take the initiative to contact the postal bank and tell the bank that it was due to our own negligence. If you overdue due carelessly, you will have to pay off the debt as soon as possible after discovering that it is overdue. This shows that you did not overdue maliciously, so that you may not be recorded in a bad record.

2. However, some friends are indeed overdue due to financial difficulties. At this time, we should also promptly and proactively contact the Postal Bank to inform ourselves of the current economic situation. If this is indeed the case after bank investigation, the bank will sign a new repayment plan with the cardholder, and we only need to repay according to the new plan.

2. How long will it take for a Postal Bank credit card to be sued by the bank if it is overdue?

1. Postal Bank credit cards will generally be sued by the bank after three months of overdue credit, because this time is based on Article 100 of the Criminal Law. According to the provisions of Article 96, if one of the conditions for credit card fraud is met, the bank can sue the cardholder in court.

3. How to negotiate for repayment if the postal credit card is overdue

1. If the postal credit card is overdue, if the cardholder does not want to have a great impact on his personal credit, he can sincerely negotiate with the bank to repay the credit card. The money is the best. First, we can apply to the bank for a suspension of interest payments. First, interest will no longer be accrued on the debt, and second, we can tell the bank that we are currently very tight.

2. Then you can provide supporting information (such as unemployment certificate, etc.), inform the bank of the specific situation that the individual does not have the ability to repay the loan, and make it clear that he did not intentionally fail to repay the loan after the due date, and at the same time, he needs to express himself Active willingness to repay, so the bank will consider it as appropriate.

Legal Basis

"Interpretations of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Obstructing Credit Card Management"

Article 6: If the cardholder overdrafts beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and fails to return the card for more than three months after two effective collections by the issuing bank, it shall be deemed as a "malicious overdraft" as stipulated in Article 196 of the Criminal Law. .

For the purpose of illegal possession, the cardholder’s credit record, repayment ability and willingness, the status of applying for and overdrafting the credit card, the purpose of the overdraft funds, the performance after the overdraft, and failure to comply with regulations should be considered. The reasons for repayment and other circumstances shall be judged. The purpose of illegal possession shall not be determined solely based on the fact that the cardholder failed to repay the loan as required.

If any of the following circumstances occurs, it shall be deemed as “illegal possession for the purpose” as stipulated in the second paragraph of Article 196 of the Criminal Law, but there is evidence to prove that the cardholder does not possess illegal possession. Exceptions for purposes:

(1) Overdrafts that cannot be returned due to large amounts of money knowing that one has no ability to repay;

(2) Overdrafts that cannot be returned after applying for a credit card using false credit certificates ;

(3) After overdraft, evade bank collection by hiding, changing contact information, etc.;

(4) Escape, transfer funds, hide property, and evade repayment;

(5) Using overdraft funds to carry out criminal activities;

(6) Other situations of illegally possessing funds and refusing to return them.