The essence of credit card is loan, so the court will not freeze our credit card account when it is enforced, but after it is enforced, the record of execution will be displayed in the personal credit report. As a function of overdraft consumption in advance, credit card pays great attention to the cardholder's personal credit status. If the cardholder is enforced, once the bank finds the cardholder's enforced record from the credit report, it will immediately take risk control measures, and our credit card is likely to be frozen by the bank and cannot be used.
How many days will the credit card expire?
(1) Generally speaking, credit cards overdue for 3 days will be reported at the meeting. Most banks have tolerance service, usually 2 to 3 days. In other words, users are allowed to complete the repayment within 2 to 3 days after the final repayment period, and this situation will not be reported.
(2) It should be noted that if the credit card is overdue, it will have an impact on future loans, loans and many other needs. It is recommended that the debtor pay off the debts as soon as possible. If he doesn't have that much money at the moment, he can call the Bank of Communications for installment.
The credit card is unable to repay the worst result.
(1) Overdue repayment will be recorded in the personal credit report, but negative information such as overdue repayment will not be permanently recorded in the 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.
(2) Failing to return the bank credit card within the time limit may be suspected of credit card fraud.
(3) If the amount of principal owed reaches more than 1 10,000 yuan, and it has not been returned for more than 3 months after being collected twice by the issuing bank, it shall be deemed as "malicious overdraft" in the criminal law, and it is suspected of credit card fraud, and it shall be sentenced to fixed-term imprisonment of not more than 5 years or criminal detention according to law, and a fine of not less than 20,000 yuan but not more than 200,000 yuan.
(four) the amount of malicious overdraft is large, and all overdraft interest has been paid off before the public security organ files a case. If the circumstances are obviously minor, criminal responsibility may not be investigated according to law.
If the overdue credit card is sued by the bank and enforced by the court, then the court will directly deduct money from the bank card. If there is no money in the bank card, the assets under the cardholder's name will be seized. If it is seized by the court for other reasons, it can only be transferred through someone else's bank card account.
legal ground
People's Republic of China (PRC) Civil Procedure Law
Article 242nd The People's Procuratorate has the right to exercise legal supervision over civil execution activities.
Article 243rd A legally effective civil judgment or written order must be fulfilled by the parties. If one party refuses to perform, the other party may apply to the people's court for execution, or the judge may transfer it to the person subjected to execution for execution.
Mediation and other legal documents that should be executed by the people's court must be fulfilled by the parties. If one party refuses to perform, the other party may apply to the people's court for execution.