How is a credit card considered three months overdue?

1. Overdue for the current period: It means that the bill came out last month and the payment has not been paid by the latest repayment period, or the payment is less. If the minimum repayment amount is exceeded, it is considered overdue for the current period.

2. Continuously overdue: It means that the minimum repayment amount of the bill has not been paid for more than two consecutive months, which is considered to be continuously overdue.

3. Cumulative overdue: It is the total number of times your bill is overdue in the current period.

4. The so-called credit card overdue refers to the borrower’s failure to repay in full on the final payment date. Credit cards have two concepts: billing date and repayment date (also known as the final repayment date): the billing day is the day on which transactions within a billing cycle are settled. The repayment date is a repayment period. The main function of the repayment date is for banks to determine whether the cardholder has a malicious overdraft tendency and to determine the cardholder's financial status. Therefore, repayment after the final repayment date will inevitably result in an overdue record. Whether this record can be changed from the central bank requires further negotiation with the card issuing bank.

5. If a credit card is overdue for three months, you will generally be prosecuted. When a credit card is overdue for one month, the bank will usually use text messages or phone calls to urge the debtor to repay it in time; when the credit card is overdue for more than one month and less than three months, the bank will use internal collection methods or outsource it to a third party. , urging the debtor to repay; when the debtor is overdue for more than three months, the bank will send a lawyer's letter to the debtor. If the debtor still does not repay the debt, the bank will sue the court.

6. On the day when the repayment is due, if the cardholder fails to repay in time, there is a grace period. If you repay the money within the grace period, there will be no penalty interest or interest. Upload to the credit reporting system. But if you still haven’t paid back the money after the grace period, it will most likely be uploaded to the personal credit system. The grace period of each bank is also different, most banks are 3 days.

7. Credit card, also called credit card. It is a non-cash transaction payment method and a simple credit service. Credit cards stipulated in my country's relevant laws ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions that have all the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc. Or an electronic payment card with partial functions.

Legal basis:

"Criminal Law"

Article 196 stipulates that under one of the following circumstances, credit card fraud is carried out and the amount is relatively large If the amount is huge or there are other serious circumstances, the sentence is to be not less than five years but not more than 10 years of fixed-term imprisonment and a fine of not less than 20,000 yuan but not more than 200,000 yuan; A fine of not more than 100,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the sentence is to be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification; (2) Using an expired credit card; (3) Pretending to use another person’s credit card Credit card;

(4) Malicious overdraft.