However, it is uncertain whether the cardholder will go to jail after filing the case. If the cardholder can immediately repay the arrears, or reach a repayment agreement with the bank, and the bank can withdraw the lawsuit, then the cardholder will not have to go to jail. However, if the cardholder fails to reach a repayment agreement with the bank after filing the case, he will be detained until the end of the investigation period. After the court decides, you will really go to jail.
Credit card is just a financial tool, which brings a lot of convenience to our life. Cardholders should use it reasonably, not blindly, make ends meet, and finally be unable to repay it, then they may face jail.
Sort out debts, plan repayment reasonably, and avoid being sued. If you are caught in the problem of credit card debt, please pay attention to me, a Xiaowei who has experienced debt. May you be warm in three winters, not cold in spring, and not disturbed by debts.
If the user's credit card is overdue, the bank will go to court to sue the user. Then if many users' credit cards are overdue, the bank needs to file a lawsuit against each user.
This is a very troublesome thing, which takes a lot of time and needs to pay various fees. Moreover, even if the court finally gives a support result, it may not be able to recover the arrears. Then even if the user is punished by law, for the bank, it will not only be unable to recover the arrears, but also consume a lot of manpower and material resources, which is not worth the candle.
It is a rational behavior for banks to collect overdue credit card users instead of suing them. For the collection staff, collecting one customer is also a collection, and collecting ten customers is also a collection. They can collect overdue credit card users in batches, such as 100 users, and 20 of them have settled their debts, which is very cost-effective for banks.
If the amount owed is relatively large and the collection cannot be solved, the bank may eventually sue the court. After all, the large amount is cost-effective compared with the litigation cost, and some users who cash out maliciously after the deadline may be suspected of illegal and criminal acts and should also be punished by law.
However, for users with small amount and not necessarily malicious overdue, it is still the best choice for banks to collect arrears by SMS or door-to-door collection.
For users, it is necessary to develop the habit of paying back on time, because all bank lending data are now connected to the central bank's credit information system. If it is overdue, it will affect their credit information in the central bank and they will not be able to obtain mortgage approval in the future. When you have caused substantial overdue, you must communicate with the bank in time to reach a repayment plan.
If it's expired, change your mobile phone, thinking that it can go away. This is just an act of self-deception. If the amount owed is large, even if the bank can't contact you, it will eventually consume the cost of credit investigation. If the bank sues the court, if it is judged as credit card fraud, it is likely to bear criminal responsibility. This is no joke.