1. What should I do if my credit card is overdue after being sentenced?

If the convicted credit card is overdue, the cardholder may entrust others to handle it on his behalf. According to the relevant laws and regulations of our country, the debtor's personal freedom is restricted because of his suspected crime, and he cannot be exempted from the responsibility of repaying the credit card. As long as the cardholder is overdue, the bank still has the right to sue the cardholder for repayment.

Of course, if the cardholder is worried that the credit card will be overdue after being sentenced, it is best to communicate with the bank in advance or contact family or friends to handle it on his behalf. Otherwise, it may constitute credit card fraud. Once he violates this law, he will be punished for several crimes, imprisoned and fined.

2. What are the consequences of being sentenced for overdue credit cards?

Being sentenced to overdue credit cards may be sued by banks for repayment. Once the credit card is overdue, it will bear high interest and late fees. Interest is calculated on a daily basis and compounded monthly. The overdue fine is charged at 5% of the unpaid part of the minimum repayment amount.

In addition, overdue credit cards may increase prison time. If the credit card is overdue for more than three months and the overdue principal is more than 50 thousand yuan, the cardholder may commit the crime of credit card fraud and may be sentenced to fixed-term imprisonment of not more than five years.

Three, the provisions of the overdue relief of the credit card

If the convicted credit card is overdue, the bank has certain relief regulations, and generally will not charge interest during the cardholder's imprisonment.

After the cardholder knows that he has been sentenced, he can negotiate with the bank in advance to prevent the inconvenience caused by the overdue credit card. Because the cardholder does not have the repayment ability during his sentence, the bank will reduce the interest.

If the cardholder finds that the bank charges overdue interest after he is released from prison, the cardholder can bring relevant materials to the bank to appeal and safeguard his legitimate rights and interests. Of course, under normal circumstances, banks will automatically shut down cardholders and put them in jail.

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication cases and make detailed and targeted answers for you, so as to avoid incorrect answers due to incomplete information and poor communication. I wish the rights protection success.