Detention is not a matter of filing a case and prosecuting. This is the process.

Overdue processing method: Overdue payment not only has a late payment penalty of 5% for the minimum unpaid part, but also a penalty interest on the full amount of the bill (a daily interest rate of 0.5%, interest will be calculated starting from the day of consumption, and interest will be charged monthly until the principal and interest are repaid) Until it is cleared), it will also produce a bad credit record in the Credit Reference Center of the People's Bank of China, which will seriously affect your application for credit cards and bank loans within 5 years. If you are more than three months overdue or fail to repay more than two bank reminders, the bank will freeze your card and list you as a banned customer (blacklist). It will also sue you for credit card fraud and malicious overdrafts, and the court will force you to do so. implement. Article 196 of the "Criminal Law" stipulates that anyone who commits credit card fraud under any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there is If the amount is extremely huge or there are other particularly serious circumstances, the offender shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan. A fine of not less than 50,000 yuan but not more than 500,000 yuan or property confiscation may be imposed:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

(2) Using an expired credit card;

(3) Pretending to use another person’s credit card;

(4) Malicious overdraft. Malicious overdraft refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and still refuses to return the card after being called upon by the card-issuing bank. Malicious overdrafts are a major form of risk in the credit card business and are part of credit card fraud.

Finally, notify the police station and the community, and enforcement will probably be carried out on your property. For a credit card overdraft, the bank will first notify you to pay it back within the specified time and calculate the overdraft penalty interest. If you still fail to fulfill your repayment obligations and you have property in your name, the bank will sue the court to enforce your property in accordance with legal procedures. And your credit report will be on the People's Bank of China's blacklist. In the future, if you want to refinance, or take high-speed rail, plane, etc., you will be restricted. But law enforcement and banks will never detain you for this matter.