1. What should I do if my credit card is overdue and I can’t pay it back? 1. If you can’t pay back your credit card, you can apply to the bank for minimum repayment or Deferred repayment.

2. If the overdraft amount reaches more than 10,000 yuan for the purpose of illegal possession, and it is still not returned for more than 3 months after two collections by the card-issuing bank, it will be suspected of malicious overdraft and you will need to bear the corresponding liability. legal liability.

3. If overdue behavior occurs, it is recommended to pay off the debt in time.

2. What will happen if the credit card is overdue and sued

1. The bank’s continuous reminders

(1) When the borrower repays overdue, The bank's credit card customer service center will first make multiple phone calls;

(2) If the payment is still outstanding, the bank will entrust a third party to collect the money, usually through continuous phone calls, text messages, or even door-to-door collection; < /p>

(3) If the loan is not repaid after repeated calls, the bank will sue the court.

2. Being sued by the bank and unable to apply for a loan

The cardholder will be added to the credit blacklist and unable to apply for a loan. The court will collect collection. After receiving the court summons, after investigation and If the cardholder refuses to repay the card after being persuaded and urged to repay, the court can take enforcement action; subsequently, the court will liquidate the cardholder's assets to repay the card debt and freeze the relevant property.

3. Malicious default will lead to imprisonment and fines

(1) A credit card overdue for three months can be considered a malicious overdraft penalty, but if you communicate with the bank in advance, you can prove Depending on your repayment ability and repayment plan, you will generally not face criminal liability.

(2) However, the court ruled that cardholders who still do not return may face consequences of three years in prison and fines in serious cases, and particularly serious cases will face a longer term of three to seven years in prison. and pay fines.

3. What are the consequences of overdue credit card payments?

1. A bad credit record;

2. Interest: calculated at 50,000 per day;

3. Late payment fee: generally calculated as 5% of the unpaid portion of the minimum repayment amount (depending on the regulations of each bank);

4. Malicious credit card overdrafts may also face criminal penalties;

5. Being blacklisted by the bank.

If there are any unclear or new situations, we recommend that you call us directly for free consultation so that you can understand the communication case situation and provide you with detailed and targeted answers to avoid problems due to incomplete information and poor communication. , the answer is wrong. I wish you success in safeguarding your rights.