The consequences of not being able to repay the credit card due to mental illness in 2021 will depend on the situation. If the mental state is normal when applying for and using the card, the legal guardian will bear the repayment obligation for the overdue amount. If you are mentally disturbed when applying for a card, it will be an invalid contract. The bank will bear the corresponding losses and the legal guardian will bear part of the responsibility.

1. Explanation of mental illness

Mental illness, also known as mental illness, refers to brain dysfunction under the influence of various biological, psychological and social environmental factors, resulting in cognitive, It is a disease characterized by varying degrees of impairment in mental activities such as emotion, will, and behavior. Psychologists believe that conflicts, crises, tensions and trauma can lead to mental illness, especially in a vulnerable person. Today's most popular explanations for mental illness are biological ones; a person with a mental illness may have a different brain structure or function, or have different neurochemical reactions, whether caused by genes or environmental insults (such as fetal alcohol) syndrome).

2. Mental illness is not legally responsible

For a mentally ill person to not be legally responsible, it must be confirmed through legal procedures that the crime was committed by the mentally ill person during the onset of the disease, that is, it will be deemed to be a complete crime. A person without the capacity for criminal responsibility. Mental patients who do not have the capacity to bear criminal responsibility do not go without punishment. Instead, their family members or guardians should be ordered to strictly monitor and provide medical treatment. If necessary, the government can also compel medical treatment. When determining whether a mentally ill person is exempt from crime, the most important thing is to determine whether the mentally ill person has committed a criminal act during the onset period. The mental condition of the mentally ill person, his ability to act, and his ability to take responsibility must also be evaluated by a qualified appraisal agency. Not the mentally ill person. If you commit a crime, you will be exempted.

Due to the influence of mental symptoms, mentally ill patients are obviously different from normal people in psychology and behavior. Their ability to understand and identify things and their ability to control their own behavior will be more or less affected, weakened, or lost, thereby affecting their legal abilities. Therefore, when a mentally ill person infringes upon the personal rights of others, disrupts public order, or is harmed by others, there are special legal provisions to regulate it.