When we apply for a credit card, we need to fill in our mobile phone number so that the bank can contact us at any time. Some cardholders whose credit cards have expired and whose banks do not answer calls, or who have changed their numbers without notifying the bank, may be deemed to have lost contact. This will have serious consequences. Let’s take a look.

How is an overdue credit card considered lost? Credit card contact loss means that the bank loses contact with the cardholder. For example, the cardholder often does not answer the phone, or the cardholder has changed his number and the bank cannot contact him. However, if the call cannot be made once or twice, it will not be considered lost contact. If no one answers the call for more than 30 days, and the voice broadcast is "The number you dialed is unavailable," the bank will consider the cardholder to have lost contact. Connected.

The consequences of overdue credit card contact are serious! After the bank can no longer contact the cardholder, it will first call the cardholder's emergency contact number and ask them to inform the cardholder of the new number or address. And if the cardholder information cannot be obtained, once the cardholder is overdue for more than 3 months, the bank will use legal means to collect the card. Even if the cardholder cannot be contacted, it does not prevent the bank from going to court to sue. There are two ways for banks to sue, one is criminal litigation and the other is civil litigation. The difference between the two is that the overdue amount is different, their nature is different, and the consequences are also different. 1. Criminal prosecution: Prosecution will be made in the name of credit card fraud, that is, the principal of the credit card debt reaches 50,000 yuan, the overdue time is more than 3 months, and the bank still fails to repay the debt after two effective collections. Depending on the overdraft amount, at least The person shall be sentenced to fixed-term imprisonment of not more than 5 years or criminal detention, and a fine of 20,000 to 200,000. 2. Civil litigation: If the principal amount owed is less than 50,000 yuan, you will not be held criminally responsible. However, if the debt is not paid off within the specified time after the court’s judgment, the court may enforce the cardholder’s property. As well as some fixed assets, such as cars, houses, etc., they may also be sentenced to the crime of resisting law enforcement. In short, overdue credit card contact will only make the bank adopt more drastic collection methods, and the cardholder may be imprisoned. Therefore, regardless of whether there is money to repay after the due date, it is best to keep in touch with the bank at all times. If you negotiate with the bank to repay, That's the best.