Under normal circumstances, the overdue amount of Everbright Credit Card exceeds 6.5438+0 million yuan, and the bank has not paid it off twice. If it is overdue for more than 3 months, it can be considered as malicious. If it is deemed to be overdue in bad faith and the circumstances are serious, the bank may sue the cardholder and impose penalties. If the credit card is overdue, the first thing to do is to pay off the arrears on time and maintain a good credit. If you are sued, you should actively repay the debt, not refuse to repay it. Otherwise, it may be enforced by the court, and more seriously, it may be suspected of credit card fraud.

To judge malicious overdraft, we should pay attention to the following points: first, whether the cardholder is a legal cardholder; Second, whether the cardholder intentionally fails to repay the loan; The third is malicious overdraft. Malicious overdraft includes three situations: whether the overdraft exceeds the prescribed overdraft limit, whether the overdraft exceeds the prescribed time limit, and whether the repayment is still not made after collection.

How to remedy the overdue credit card?

If it is overdue, you need to call the bank immediately to explain that the reason is not malicious arrears, and you will pay the arrears in time. If the cardholder has left a bad record in the bank, don't rush to cancel the card after paying off the balance and explaining the situation. You should continue to use this credit card and repair it with a good credit record. Usually, maintaining a good credit record for at least two years will not affect your credit information.

In short, credit cards involve credit, so it is best not to overdue them. If it is overdue, it is necessary to return all the arrears immediately, together with late fees and interest. If it's only a day or two overdue, don't worry too much. Under normal circumstances, the bank will set a grace period, during which the cardholder's credit information will not be affected.