Although the country is more and more strict in rectifying the cash loan market, there are still many 7 14 anti-aircraft guns, usury and routine loans poisoning borrowers, and many people are bankrupt and under great economic pressure. Many people choose to go ashore, so can credit cards be forced to go ashore? In principle, we generally do not encourage compulsory credit cards. Why? I am not afraid of owing money, but I am most afraid of owing money to my country. Credit card is a credit tool issued by banks, which can be used for consumption or cash withdrawal. There is a certain interest-free period every month, and repayment must be made before the last repayment date, otherwise it will be overdue. The main consequences are as follows: 1, which affects credit reporting; 2. Late payment fee; 3. Bad debts; 4. Court prosecution. From a practical point of view, if you are not afraid of the above three points, you can go ashore by force. Many people simply broke the jar because of the black credit information. After all, there are still many people who don't pay back the money every day, and the bank will not sue everyone, but the premise is that the overdue amount is not large. If it ranges from several thousand yuan to tens of thousands of yuan, there is still a great possibility of not being prosecuted. At most, it will be recorded as bad debts and become a bank loan user completely. Some banks have strict risk control. As long as the overdue amount is too large, they will really take the form of court proceedings. If you receive a subpoena from the court, don't force it quickly. You can negotiate with the bank for repayment before the court session, and then you can settle out of court, otherwise you will not only go to court, but also lose in the end. In summary, banks generally do not sue. If the amount is too large, it doesn't matter to the credit investigation, then you can try to go ashore by force. At most, you can't handle banking business such as mortgage, car loan and credit card. I suggest you be careful again!