Generally, banks will not arrest people after filing an overdue credit card complaint. If it is a civil case, no one will be arrested. If it is a criminal case, the police will come directly to arrest you. If a bank credit card is overdue it is not just a detention. If found guilty of credit card fraud, exceeding RMB 30,000, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than RMB 20,000 but not more than RMB 200,000.

Overdue credit cards will have the following terrible consequences:

1. Penalty interest: Interest is charged at 0.5% of the daily interest rate.

2. Late payment fee: The late payment fee is usually 5% of the overdue amount.

3. Impact on personal credit: The most troublesome thing is the bad personal credit record caused by overdue payments - generally, overdue credit card repayments do not exceed 3 times. You can apply for a credit card or get a loan, but the amount is very small. Small, but the interest rate is very high. If you make more than 6 overdue payments or fail to repay once, you will be included in the "blacklist" and you will not be able to apply for credit cards or loans in the future.

4. Malicious overdraft: 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 being called upon twice by the card-issuing bank, he or she will be fined. Considered a "malicious overdraft".

5. Criminal offenses: The Criminal Law stipulates that malicious overdraft of more than 5,000 yuan on a credit card constitutes the crime of credit card fraud and may be sentenced to a fixed-term imprisonment of less than 3 years; malicious overdraft between 50,000 yuan and 200,000 yuan is considered an amount. If the amount is huge, the person may be sentenced to fixed-term imprisonment of 5 to 10 years; if the amount exceeds 200,000 yuan, the amount is extremely huge, and the prison term is more than 10 years. Extended information

1. Remedies after the credit card expires

1. The cardholder should pay off the amount owed in time;

2. If it is due to If credit card repayments are overdue due to bank reasons or other non-malicious defaults on credit card repayments, cardholders can apply to the bank for personal objection processing to eliminate them;

3. Cardholders are reminded: If you already have bad credit, don’t think about canceling your card to clear it.

4. Legal provisions: Starting in 2012, the central bank issued new regulations on the retention time of credit records. According to the regulations, the retention time of personal credit records was changed to five years. This means that if a cardholder has a bad record, the bad record will naturally be overwritten by new records after five years. Therefore, the best way after developing bad credit is to continue to use the card and maintain good long-term use of the card, so that your personal credit record can be "clean" through future good credit transactions.

2. What the bank will do if the credit card is overdue

1. Overdue: For overdue credit card holders, the bank will have a grace period of 1 to 2 months. During this period, the bank will call and send text messages to customers to remind them of repayment, and it will be officially counted as overdue in the third month.

2. Collection: If the customer loses contact after his credit card is overdue, the bank will have a dedicated team to come to collect the credit card.

3. If the cardholder still does not repay, the bank will send a lawyer's letter to the customer.

3. Use forged credit cards, credit cards fraudulently obtained with false identification, invalid credit cards, or fraudulently use other people’s credit cards to commit credit card fraud

1. Large amounts: More than 5,000 yuan but less than 50,000 yuan

2. Huge amount: more than 50,000 yuan but less than 500,000 yuan

3. Especially huge amount: more than 500,000 yuan

Baidu Encyclopedia-Credit Card