1. How long is the credit card overdue?

this mainly depends on whether the issuing bank provides time tolerance service. Some banks, such as ICBC, will immediately collect credit information as soon as the repayment date is exceeded; If there is a grace period of about 3 days, the credit information exceeds: Agricultural Bank of China, China Construction Bank, Bank of Communications, China Merchants Bank, China CITIC Bank, Minsheng Bank, China Everbright Bank, etc.

There are also some banks with relatively tolerant control, such as China Bank, Pudong Development Bank, Guangfa Bank, Huaxia Bank and Ping An Bank. Like the Platinum Card of Bank of China, there is even a 9-day grace period for repayment. When using a credit card, you'd better know your card type to cope with the repayment date.

second, how long will the bank sue if the credit card is overdue

Generally speaking, if the credit card is overdue for more than three months, it will be prosecuted. In these three months, those who are overdue for more than 6 times will be listed as blacklist users by the bank. Users on the credit blacklist are not allowed to apply for credit cards again within five years, and it is difficult to apply for bank loans.

if the repayment is overdue continuously within these three months, it will be regarded as malicious arrears by the bank. The consequences of malicious arrears are more serious than the cumulative overdue of six times. The bank will sue the court for credit card fraud. If the case is successful, the cardholder will pay the legal fees. The crime of fraud is solid, and the debt is more than 5 thousand yuan, which is in line with malicious overdraft, and can bear criminal responsibility.

Third, how long will the credit card be overdue?

After the credit card is overdue, if there is any early overdue behavior, such as the overdue time is within 7-15 days, the payment is mainly made by SMS. If the cardholder is overdue for more than 3 days or more than one billing period, he will face telephone collection, mainly to find the debtor himself.

when the collection fails, the bank outsources the collection right to a third party and calls the family. Note that if the collection of repayment fails, the bank will call family members and ask them to tell the cardholder to repay, and even ask for help in repayment.

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