After the credit card is overdue and suspended, it must be repaid as soon as possible. If there is a clear intention to repay and a certain ability to repay, the bank will not prosecute.

How to deal with overdue loans:

Loan collection will be carried out when the debt is overdue;

If it is overdue for more than 90 days, a lawsuit will be filed in court:< /p>

① According to the provisions of the loan contract and guarantee contract (mortgage or pledge contract), the lending bank will sue the court, and the court will take measures such as property preservation, including freezing all bank accounts of the lender and loan guarantor. Deposits, seizure of mortgaged properties, etc.

② After the judgment is made, the property will be enforced according to law (withholding of deposits, auction of mortgages, etc.) to repay the bank's loan losses.

③ Specifically includes: loan principal, loan interest, overdue interest and penalty interest, as well as all resulting litigation costs, related costs incurred when disposing of mortgage (pledge) properties and realizing them, etc.

Credit will be affected. If a company is used as the borrower, the company will be recorded in the national bank credit consultation system, and the loan in the name of the individual will also be recorded in the national personal credit consultation system. Overdue loans.