First, how much credit card arrears will be prosecuted and imprisoned.

1. Under normal circumstances, the debtor may be sued for ignoring the bank's repeated collection and the amount involved exceeds 1 10,000. Just to save labor costs, banks usually use third-party outsourcing personnel to collect money at home until even debtors with higher and higher interest rates still do not act, which is not far from court summons.

2. With the release of "202 1 New Rules on Overdue Credit Cards", it is clearly stipulated that cardholders who are overdue for more than three months and the debt amount reaches 50,000 will bear criminal responsibility. This is the "malicious overdraft" behavior, which constitutes a crime. The debtor was sued first, and then he was afraid of delaying the payment and going to jail.

2. What should I do if my credit card is not repaid to the bank?

1. First of all, you should contact the bank immediately, euphemistically explain the reasons for your overdue, and ask the bank to see if you can drop the lawsuit. At the same time, you need to show a positive willingness to repay. After all, the ultimate goal of the bank is not to put the cardholder in jail, but to let the debtor pay off the principal and interest owed.

Even if the bank temporarily refuses to withdraw the lawsuit for some reason, everyone should take the initiative to repay one point every month. If the repayment is overdue for several months, it will be troublesome until the civil liability becomes criminal liability. You'd better not go to the last step. After all, there will be many other effects except that financial services can no longer be used.

3. What if the credit card is unable to repay?

1. When the credit card is overdue, the cardholder has no repayment ability. It's best to contact the bank at the first time and negotiate euphemistically. He didn't mean to be overdue, but he was in financial difficulties. Then express a positive willingness to repay, and see if we can negotiate with the bank to make a personalized repayment plan for cardholders.

2. If the bank agrees to allow the debtor's information not to be included in the credit information system for a period of time, the debtor should consider how to raise money for repayment. After all, you still can't owe money. When all credit cards are frozen and mortgage and car loan cannot be applied, the pace of life has cooled by half.

Don't worry about overdue debts. One-on-one legal affairs will work out a solution for you.