There are many people using credit cards now, but not everyone can abide by their credit. As for the 2020 overdue credit card registration standards, those who meet these points will be held criminally responsible. As for which points, we don’t know for the time being. Talk, just from this matter alone, we should know that if the credit card is not repaid, it is very likely that a case will be filed, so we should abide by the agreement, no matter what others do, we must first take good care of our own credit!

There are two main standards for filing overdue credit card cases. The first is the filing standard for criminal cases, and the second is the filing standard for civil cases. Because the standards are different, the consequences are often different. Yes, so everyone needs to pay attention!

Usually, the standards for filing criminal cases are relatively high. If the cardholder is overdue for more than three months and still fails to repay in time despite two credit card collections from the bank, the additional amount borrowed will be If the amount exceeds 50,000, then you will be held criminally responsible after the case is filed, and you may even go to jail; while the threshold for filing a civil case is low, and the only criterion is that if you do not meet the criminal case for malicious overdraft, the card issuer can only file a civil lawsuit, not a criminal case. Pursuing criminal liability.

It can be seen that the consequences of filing a criminal case are relatively serious. Everyone must avoid this situation after overdue. You can try this:

1. After the credit card is overdue, you must keep Keep your phone open, don’t avoid debt collection, and don’t lose contact and run away;

2. If you don’t have the money to pay off the entire debt after the due date, you have to pay back a little every month. It is best to transfer the principal of the debt. Divide the repayment into 60 installments by yourself, and try to reduce the principal of the debt to less than 50,000 yuan;

3. At the same time, after overdue, you should also take the initiative to contact the bank to see if the repayment can be negotiated. It is very important to show that you are willing to repay the loan and that you did not overdue the loan maliciously, and remember to record the conversation with the bank as evidence.

If the bank actually files a case for credit card fraud, don’t panic. As long as you pay off the debt before the court’s judgment, the court can give you a lighter sentence or not.

The above is the information on the overdue registration standards for credit cards in 2020. All card users should pay attention to using your card!