1. Will the overdue credit card be reported to the police?

It will not be reported to the police. Credit card overdue public security bureau generally does not file a case.

The credit card default is a debt dispute, not a criminal case, so the public security organs generally will not file a case, but if there is credit card fraud, the public security organs will file a case. Loans overdue for a month or two, the bank will not immediately sue, usually first call to urge the borrower to repay, if not, the bank will have a special person to communicate with the borrower to discuss. If the communication fails, if the borrower provides collateral as a mortgage loan, and it cannot be repaid after repeated calls, the collateral will be auctioned to repay the loan.

second, what is the prosecution process of credit card disputes?

1. When a party files a lawsuit, it should first submit an indictment and submit corresponding copies according to the number of the other party. If the parties are citizens, the names, gender, age, place of origin and address of both parties shall be stated; If the party is a unit, the name, address, legal representative or person in charge of the unit shall be stated. The main body of the indictment shall state the request, the facts and reasons for the prosecution, and the tail shall be signed or stamped with the official seal.

2. According to the principle of "whoever advocates gives evidence", the plaintiff shall submit the following materials when suing the court:

the materials of the plaintiff's subject qualification. Such as the original and photocopy of resident ID card, household registration book, passport, home visit permit for Hong Kong and Macao compatriots, marriage certificate and other evidence; If an enterprise is the plaintiff, it shall submit a copy of the business license, business registration certificate and other materials.

evidence to prove the plaintiff's claim. Such as contracts, agreements, creditor's rights documents (IOUs, IOUs, etc.), receipt and delivery vouchers, correspondence, etc.

3. When submitting documentary evidence to the court, the parties concerned shall fill in a list of evidence in duplicate, detailing the name and pages of the evidence submitted. After the evidence is checked by the court undertaker, the undertaker shall sign and seal the list of evidence, one for the parties and one for the record.

4. The filing court shall, within seven days after the parties have fulfilled the necessary procedures and submitted the relevant evidence materials, handle the filing procedures for those who meet the filing conditions; Those who do not meet the conditions for filing a case shall be ruled inadmissible according to law.

5. The parties concerned shall pay the case acceptance fee and other litigation fees in advance within seven days from the date of receiving the acceptance notice. If there are real difficulties, they may submit a written application for reduction, deferment or exemption to our hospital within the prepayment period. If they fail to pay in advance after the deadline or the written application for deferment, deferment or exemption is not approved, our hospital will rule that the lawsuit will be automatically withdrawn.

6. After filing the case, the court will schedule the court session, and the parties should obey the various work arrangements of the court, and settle the litigation costs in the financial office after closing the case, and refund more and make up less.

if the credit card is overdue, the cardholder will have to pay high overdue penalty interest, liquidated damages and late payment fees, which will also affect the personal credit information. If the cardholder wants to borrow money to buy a house or a car later, the bank will refuse the loan application because of the cardholder's bad credit record. If the overdue time exceeds 3 months and the cardholder still fails to repay, he will be prosecuted.