When you receive a dunning letter after the credit card is overdue, the first thing to do is to confirm the authenticity of the dunning letter. After all, some third-party collection companies will pretend to be banks to send dunning letters in order to make cardholders repay. Generally, a real dunning letter will be stamped with the official seal of the bank and signed by the customer himself.
If the dunning letter received is true, the problem can only be solved by paying off the arrears as soon as possible, otherwise you may be sued.
There are usually two ways to sue for overdue credit cards:
1. If the principal in arrears does not exceed 50,000 yuan, the bank may bring a civil lawsuit to the court. After the court accepts it, it will judge the cardholder to repay. If the cardholder fails to repay the loan, he may be included in the list of people who have lost their trust, and then he will not be able to make high consumption, but he does not need to be investigated for criminal responsibility.
2. If the principal in arrears reaches 50,000 yuan, and it is overdue for more than 3 months, the bank will report the crime of credit card fraud, and the public security organ will file an investigation to confirm that the situation is true, and the procuratorate will file a public prosecution with the court. In this case, the cardholder needs to bear criminal responsibility and may be sentenced.
No matter what form of prosecution, it is not good for cardholders. However, the ultimate goal of the bank is to ask the cardholder to repay. If the cardholder is willing to repay, but can't afford so much money to repay at the moment, after receiving the notice of the dunning letter, see if he can negotiate with the bank for repayment.