Will a case be filed if I owe 20,000 on a credit card? You will understand after reading this Many cardholders have an inexplicable fear of owing credit cards. They are always worried that they will be sued and filed for overdue payments. In fact, it may not be that serious in fact. After all, it is only malicious overdrafts. If you have a credit card and the amount of debt you owe reaches the threshold for credit card fraud, a case may be filed. So, will a case be filed if I owe 20,000 on a credit card? Let’s find out together below. Under normal circumstances, if you simply owe money to your credit card, it is not called a malicious overdraft. Although the bank will not report the case to the police, it will use various collection methods to collect the money, such as phone collection, text message collection, and even door-to-door collection. The main purpose is to get you to repay the loan. However, as long as the cardholder continues to make repayments after the due date and is willing to repay, the bank will not make things difficult for you, nor will it be easy to go to court to sue you. And if the cardholder's credit card is overdue and avoids bank collection by changing contact information, changing workplaces, moving, etc., or the cardholder is overdue for more than 3 months and refuses to repay after two effective collections by the bank, then This is a malicious overdraft of a credit card. If the principal amount owed is more than 50,000, it constitutes a crime of credit card fraud. In this case, the bank will report the case or go to court to prosecute, and the police will arrest the person after filing the case. However, a credit card debt of 20,000 yuan does not constitute the sentencing standard for credit card fraud. However, as long as the cardholder loses contact or fails to repay for three consecutive months, he may be prosecuted by the bank. This situation is If there is a civil dispute, no matter how much the debt is, a case will be filed, and the repayment will be enforced after the court makes a decision. It can be seen that whether a credit card debt of 20,000 yuan will be filed is mainly related to the cardholder's behavior after the debt is owed. In order to avoid being sued by the bank, it is recommended that everyone still has the willingness to repay the credit card, although it may not be possible. You can repay the loan in full amount, but you can also repay more or less every month. If possible, it is best to negotiate the repayment with the bank and formulate a reasonable repayment plan.