1. Will you be sued if your credit card is overdue for several years?

A credit card that is overdue for more than 90 days qualifies as a credit card fraud, and the bank can sue the bank for holding it in court. Card people. However, generally speaking, banks will not directly sue. For overdue credit cards, the bank will remind you to collect. The specific collection methods are as follows:

1. The customer service department of the credit card center will call or text you to demand payment within 30 days. If the collection department calls, texts, or emails multiple times within the above 90 days to demand repayment, the bank will notify you.

2. If it takes more than 90 days, it will be handed over to the legal department for processing. In the early stage, it is usually handled by a lawyer's letter or phone call. In the later stage, materials will be prepared and handed over to the economic investigation, or directly prosecuted, or handed over to a low-party third-party company for door-to-door collection. 3. If you file a lawsuit, it usually takes about 120 days.

2. How long does it take for a credit card to be overdue before it is blacklisted?

1. As long as it is overdue for more than 90 days, it is generally a blacklist. This is the standard of most banks.

2. Under normal circumstances, if a personal credit card bill is overdue, the bank will collect the debt from the debtor in accordance with relevant regulations in the first three months.

3. If collection is successful within these three months. Then the bank will not take the next step of collection action. If the bank fails to collect the credit card within three months, then according to the law, if the credit card is overdue for 3 months and fails to collect the credit card, the bank can take legal proceedings.

3. What will happen if a credit card is overdue and sued

1. The bank’s continuous reminders

When a borrower overdue repayment occurs, the bank’s credit card customer service The center will first make multiple phone calls; if the payment is still outstanding, the bank will entrust a third party to collect the money, usually through continuous phone calls, text messages, or even door-to-door collection; after repeated calls for payment but not repayment, the bank will The court prosecutes.

2. Being sued by the bank and unable to apply for a loan

The cardholder will be added to the credit blacklist and unable to apply for a loan. The court will collect collection. After receiving the court summons, after investigation and If the cardholder refuses to repay the card after being persuaded and urged to repay, the court can take enforcement action; subsequently, the court will liquidate the cardholder's assets to repay the card debt and freeze the relevant property.

3. Malicious default will lead to imprisonment and fines

If your credit card is overdue for three months, it can be regarded as a malicious overdraft penalty. However, if you communicate with the bank in advance and prove your repayment, If you have a repayment ability and a repayment plan, you will generally not face criminal liability. However, the court ruled that cardholders who still do not return will be dealt with in accordance with the "Criminal Law". In serious cases, they may face consequences of three years in prison and fines. In particularly serious cases, they may face longer term imprisonment of three to seven years and fines. fine.

If the credit card is overdue for more than 3 months and the bank fails to repay the credit card after multiple calls, the cardholder will be sued. If the bank wins the lawsuit and the cardholder still does not repay the loan, the bank can apply to the court for enforcement, and then the properties, cars, etc. under the cardholder's name will be seized to repay the debt.