The credit records of all your credit cards and loans are archived in the credit database of the People's Bank of China, which means that the Agricultural Bank of China will report your credit card to the People's Bank of China after it is overdue, which will affect your credit records and even affect your handling of loans and credit cards in the future.

The responsibility for overdue credit cards depends on how much money you owe and the overdue time:

1. The crime of credit card fraud generally means that you owe more than 10,000 yuan, and if you fail to return it for more than 3 months after being urged twice by the issuing bank, it constitutes a crime, and you have to bear criminal responsibility and civil repayment responsibility.

2. If your situation does not meet the above requirements, you have civil liability to repay the arrears.

The use of credit cards is equivalent to the cardholder borrowing money from the bank for consumption, and of course, it will be repaid after borrowing. During the loan period, the cardholder repays the principal and interest of the bank loan with the same monthly repayment amount. If the cardholder fails to make automatic deduction due to overdue repayment or insufficient monthly repayment, he must go to the accounting counter of the loan handling bank to make repayment. After the credit card user overdraws, the creditor-debtor relationship is formed between the bank and the user, and the bank has the right to demand repayment from the user. And banks can exercise their rights on their own or entrust others to exercise them. As long as the bank authorizes others to exercise this right in writing and requires others to take legal means to collect it. Under normal circumstances, banks take the principle of "three consecutive years and six consecutive years" to deal with overdue credit cards. If the credit card is overdue for three consecutive months or accumulated for six months, the bank will carefully consider the personal loan application and generally will not issue loans easily. If it fails to reach this range within the time limit, the loan can still be successfully approved as long as a reasonable explanation is given and other personal credit certificates are provided for the bank to re-evaluate personal credit. If the credit card is overdue, don't cancel it in a hurry. You should continue to use it and repay it according to the regulations. After the last overdue record is more than 2 years, the cardholder's credit report will not show that it is overdue again. If you don't want to use this card then, you can cancel it. After the cardholder owes money, the bank will generally make dunning by SMS reminder, telephone collection, and sending a lawyer's letter. After all the above methods fail, the bank will entrust the dunning company to intervene. Therefore, dunning companies often face debtors who have lost contact, or cardholders who "don't pay back the money anyway".