But if the bank calls the police and the procuratorate sues you, you will sit still.

If the payment is overdue for three months, the bank will usually just call you to scare you. When your interest, penalty interest and overdue fine accumulate to a satisfactory amount, the bank will generally solve it through investigation.

From 2000 to 2005, banks generally chose court proceedings, but the recovery was not so obvious. After all, it is a civil case.

However, the bank's recovery through investigation directly becomes a crime, which belongs to credit card fraud.