1. How to solve the problem of overdue credit cards?

1. Continue to use the card: After the credit card is overdue, the cardholder should continue to use the credit card for 24 months, and a new repayment record will be generated after two years of use, which will not affect the personal credit business processing.

2. Don't run away: after the credit card expires, the cardholder must not run away, otherwise the bank will not be able to contact him, and there will be the risk of being sued.

3. Timely explanation is needed if the credit card cannot be repaid: if the cardholder fails to repay all the debts after the credit card is overdue, he can take the initiative to explain the situation to the bank, declare that he is not maliciously overdue, and apply for repayment agreements such as stopping interest and settlement.

4. It is best to repay in full and explain: after the credit card is overdue, the cardholder is overdue due to reasons such as forgetting to repay. After discovering overdue, it is best to repay in full, and then take the initiative to contact the bank to explain the situation and request to eliminate overdue records.

second, will I be prosecuted if my credit card is overdue?

credit cards that are overdue for a short period of time will not be prosecuted, and credit cards that are overdue for more than three months can only be prosecuted.

according to the regulations, if the cardholder fails to repay the minimum repayment or installment payment for three consecutive months after the credit card is overdue, the bank has the right to bring a lawsuit to the court.

under normal circumstances, after the credit card is overdue, the bank will collect the text message and phone call first. If the cardholder refuses to repay, the bank will package the overdue amount to the third-party platform, and the third-party platform cannot pay the most, and the bank may enter the prosecution stage. Generally speaking, the cardholder is seriously overdue at this time.

3. Is it illegal to use a credit card when it is overdue?

it is not illegal to overdue a credit card, but if the cardholder refuses to repay, maliciously owes money, and the overdue amount constitutes a crime of credit card fraud, which is likely to violate the criminal law.

According to the regulations, if a cardholder maliciously overdraws, forges a credit card, uses another person's credit card falsely, or uses an invalid credit card, it constitutes the crime of credit card fraud and risks imprisonment.

if the overdue amount is more than 1, yuan and less than 1, yuan, it shall be sentenced to fixed-term imprisonment of not more than five years; If the overdue amount is more than 1, yuan and less than 1 million yuan, he shall be sentenced to fixed-term imprisonment of more than five years and less than ten years; If the overdue amount is more than 1 million, he shall be sentenced to fixed-term imprisonment of more than 1 years.

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication case and give you detailed and targeted answers, so as to avoid incorrect answers due to incomplete information and poor communication. I wish the rights protection success.