Credit card overdue repayment will be recorded in personal credit report, but negative information such as overdue repayment is not always recorded in personal credit report. At present, China's credit record has been maintained for five years. After paying off the debt, anyone can start building a credit record again and start again.
If the amount owed reaches 1 10,000 yuan or more, and the card issuer fails to return it twice in more than 3 months, it should be considered as "malicious overdraft" in criminal law and suspected of credit card fraud; If the amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files a case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law.
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The duties of public security organs are: to prevent, stop and investigate illegal and criminal activities; Preventing and combating terrorist activities; Maintain public order and stop acts that endanger public order; Manage traffic, fire fighting and dangerous goods; Manage household registration, resident identity cards, nationality, immigration affairs and foreigners' residence and travel in China;
Maintaining public order in border areas; Guard the specific personnel specified by the state and guard the important places and facilities; Manage assemblies, processions and demonstrations; Supervise and manage the safety supervision of public information networks; Guide and supervise the public security work of state organs, social organizations, enterprises and institutions and key construction projects, and guide the public security prevention work of mass public security prevention organizations such as public security committees.
Baidu Encyclopedia-Personal Credit Report
Baidu encyclopedia-public security organ