First, what will happen if the credit card is not used for a long time?

1, harassed by dunning, the first step is to call. Previous telephone notifications are generally notified by customers of credit card customer service centers. If the collection is unsuccessful, the issuing bank will entrust the collection business to a third party, and the third party's special collection company will carry out the collection. The way is SMS, phone bombing, and even door-to-door collection. But after all, it is a bank and will not let the dunner do anything too out of line.

2. The cardholder's personal credit information has been blacklisted, and he will definitely not be able to handle any bank-related credit business for a long time to come.

3. Every cardholder will receive a summons from the court, and the court will also assist the bank in collection. However, the court will not directly make the cardholder bear the corresponding legal responsibility, but will first investigate the cardholder and make corresponding persuasion to urge the cardholder to repay. If the cardholder still refuses to repay, and can't come up with a specific repayment plan, the court will enforce it.

Second, what should I do if my credit card is overdue?

1. Take the initiative to contact the bank to explain the overdue situation and strive for the opportunity of interest-free installment.

2. Strive to increase income and reduce unnecessary expenses.

3. Sorting out debts, rationally planning repayment, avoiding prosecution, stopping payment through negotiation, interest-free installment, and reducing repayment pressure.

Third, how long will the credit card go to jail?

Generally speaking, if the credit card is overdue for more than 3 months, it can be regarded as being arrested and fined for malicious overdraft of credit card fraud. But will you go to jail if your credit card is overdue? Not necessarily. Sometimes it depends on the cardholder's repayment attitude and sincerity, especially.

If the debtor communicates well with the bank staff, admits that he didn't pay back intentionally, pays back part of the principal first and makes a reasonable repayment plan, then the malicious overdraft will be cleared and the probability of being caught is very small.

Another possibility of being arrested is that he still refuses to repay the loan according to the judgment after the judgment of the court, which violates the crime of refusing to execute the judgment or ruling stipulated in Article 3 13 of the Criminal Law. That is, refusing to execute the judgment or ruling of the people's court, if the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.

Don't panic if the arrears are overdue. Legal aid will be used to negotiate, and professional team lawyers will plan the repayment plan for you.