Once the credit card is overdue, the user first needs to bear the overdue default fee. In addition, the credit report will affect their credit situation. For serious overdue cases, the credit card will be deactivated, and some users may even If the bank sues, there is a risk of jail time. Although overdue credit cards may be sued by the bank, the user will not be sued as soon as the credit card is overdue. There is also a time limit for banks to sue overdue users. Generally, as long as the user is overdue for more than three months, the bank has already issued two valid prosecutions against the user. If the credit card is overdue for 3 months, the bank can sue the user at any time. Therefore, 3 months overdue credit card is a very important time point. If the user is unable to return the credit card due to lack of funds, it is best not to fail to return the credit card for more than 3 months. bill.

Legal basis:

Article 196 of the "Criminal Law of the People's Republic of China" falls under any of the following circumstances: if the amount of credit card fraud is relatively large, Whoever commits a crime shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined 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 fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan. If the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property:

(1) ) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

(2) Using an expired credit card;

(3) Pretending to use another person’s credit card ;

(4) Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.

Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.