Under what circumstances are cardholders particularly vulnerable to being sued by the bank?
the first type: local banks
compared with national banks, local banks are easier to prosecute cardholders, because compared with national banks, local banks are relatively small in size and have relatively few customers, and they pay more attention to overdue customers.
At the same time, because it is a local bank, the customers it handles are likely to be in the same area, and the bank will know more about the specific situation of cardholders.
after the cardholder is overdue, collection and prosecution will be easier to handle.
the second type: people who lost contact
many people find that they can't repay their credit cards after they are overdue, and they are tired of the bank's collection behavior, so they will choose to change their phones and addresses and directly enter the state of losing contact.
for banks, the bank's zero tolerance for this kind of loss of connection is absolutely low. After discovering that cardholders are going to avoid debts through loss of connection, banks will choose to sue cardholders to recover the debts.
the third type:
if the overdue amount is large, and the overdue amount has not been repaid for more than three months, the probability of being sued is very high. For banks, although it costs a certain amount to sue, it is still more cost-effective if a large amount can be recovered.
At the same time, for banks, because the prosecution process is relatively perfect, it is also a batch prosecution, which greatly reduces the prosecution cost of banks.
the fourth type: whether it is a personal asset or a public asset, the cardholder will be more likely to be sued after it is overdue. If the cardholder still refuses to implement the repayment after the court decides, the court will seal up the cardholder's assets.
The fifth type: malicious overdue
Malicious overdue is relatively widespread. In the process of use, the cardholder maliciously cashes out, knowing that.
This situation is also easy to be prosecuted. At the same time, there is another point that needs special attention. No matter how serious the other overdue behaviors are, they are also civil disputes. However, if they are overdue in bad faith, they can be judged as criminal offences. Please keep this in mind when using the sex card and don't touch this red line easily.