Detailed description:
1. Late repayment of credit cards is a civil dispute. Late payment will not immediately lead to prosecution, and banks will usually demand repayment from debtors through collection.
2. If the customer repays the loan on time every month, even if there is overdue debt, the bank will generally negotiate first, such as adjusting the repayment plan and extending the repayment period, to help the customer solve the financial difficulties and avoid the escalation of disputes.
3. Only when the customer refuses to repay for a long time or cannot reach an agreement with the bank to solve the problem of arrears, the bank can choose to sue the debtor and submit the dispute to the court for handling.
4. In the prosecution stage, the bank usually provides relevant evidence according to the actual situation, and the debtor also has the right to defend and defend, and the court will make a judgment based on the evidence and facts provided by both parties.
Summary:
China Merchants Bank's credit card debt is overdue and repays on time every month. Generally will not be prosecuted. Most banks hope to solve the problem of arrears through consultation with customers to avoid causing greater disputes. Of course, the specific situation should be judged according to the actual situation, such as the amount of arrears, the time of arrears and other factors may affect the bank's disposal methods.
Extended data:
According to the Contract Law of People's Republic of China (PRC) and related laws, creditors and debtors should give priority to solving debt disputes through consultation to avoid being investigated for legal responsibility. Both parties can make repayment plans and fulfill their obligations through consultation according to law, and guarantee the rights and interests of both parties in the form of agreement. Only when no agreement can be reached through consultation will the dispute be submitted to the court for handling.
At the same time, according to the law of our country, banks, as creditors, generally need to provide enough evidence to prove that the debtor has indeed breached the contract before suing the debtor. And the debtor also has the right to make legal defenses and excuses. In the end, the court will make a judgment based on the evidence provided by both parties and relevant laws and regulations.
The above is the answer to the question according to the laws and practices of China. If you need specific legal advice, it is recommended to consult a professional lawyer.