1. If you don't pay back the credit card you owe abroad, you will be punished by law if the amount is large, and you will never have the opportunity to borrow money again in your life!
2. If you pay it back later, there is still a time limit according to the credit card. As long as some banks in China have such bad records on you at home and abroad, it is guaranteed that no bank in China can lend money within five years after your repayment.
First, the credit card does not repay:
1. If the credit card does not return to China, the bank can or can report the case;
2. If the amount owed reaches more than 1 10,000 yuan, and the card issuer fails to return it for more than 3 months after twice collection, it will be considered as "malicious overdraft" in criminal law and suspected of credit card crime.
3. Overdue repayment will be recorded in the personal credit report, but negative information such as overdue repayment is not always recorded in the personal credit report. At present, China's credit record has been maintained for five years. After paying off the debt, anyone can start building a credit record again and start again.
4. The amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files the case. If the circumstances are obviously minor, criminal responsibility may not be investigated according to law.
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Legal basis: Article 196 of the Criminal Law stipulates that if a credit card crime is committed in any of the following circumstances, if the amount of credit card activities is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan shall be imposed; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(1) Using a forged credit card;
(2) Using an invalid credit card;
(3) Fraudulent use of another person's credit card;
(4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.
What should I do if the loan for studying abroad is overdue? Will it affect personal credit information?
Compared with ordinary commercial loans, student loans can save a lot of interest, because the interest during school is paid to the bank by the state finance. Students only need to pay off their principal on time after graduation. If they don't pay off their principal after graduation, they can also pay off their interest on time, and then pay off their principal in installments, which will not affect their credit information, but overdue repayment will have an impact on their credit information.
The consequences of studying in loans overdue:
1. will charge a penalty interest, and the handling bank will charge a penalty interest on the amount of repayment in default.
2. Enter the credit information, and the handling bank will enter the default information into the basic database of financial credit information of the People's Bank of China.
3. Take restrictive measures, take restrictive measures against defaulting borrowers who maliciously default on loans, and refuse to provide financial services such as housing loans and auto loans.
4. Publicize student information. For borrowers who are seriously in arrears in repayment, the relevant administrative departments and banks will publicize their names, citizenship numbers, graduation schools and specific breach of contract through news media, internet and other information channels.
The best way to help students in loans overdue is to pay off their debts in time and reduce the consequences of overdue. If they don't pay it back all the time, it is a serious breach of contract, and students should also bear relevant legal responsibilities.
I suggest you go to Yingxin to get a personal credit big data report and have a clear understanding of your credit status.
Extended data:
How to handle the loan for studying abroad?
The borrower has full capacity for civil conduct, and the actual age of the loan due date is no more than 55 years old;
The borrower has no violation of laws and regulations, is in good health, and is honest and trustworthy;
If the borrower is an overseas student, he should have a permanent residence or other valid residence status at the lender's place before studying abroad;
If the borrower is an immediate family member or spouse of a student studying abroad, he should have a permanent residence or other valid residence status in the area controlled by the lender, have a fixed residence, have a stable occupation and income source, and have the ability to repay the principal and interest on schedule;
The borrower shall hold an admission notice or other valid admission certificate issued by the school where the student intends to study abroad;
The borrower shall provide property mortgage, pledge or third-party guarantee recognized by the lender. Mortgaged property is limited to property with mortgage right; Pledges are limited to securities such as government bonds, bank certificates of deposit and corporate bonds; The guarantor shall be a legal person or natural person with compensatory ability, and be willing to bear joint and several liability for repayment;
Foreign loans are still being repaid normally, will it affect domestic loans?
Do foreign loans still affect domestic loans in normal repayment? The answer is as follows: Yes, foreign loans still affect domestic loans in normal repayment.
Will the overseas loans of black households not go out, and will they go to jail?
Generally, there is no sentence.
If you owe a bank loan and don't pay it back, it's just a civil matter, and you won't be investigated for criminal responsibility and jailed.
After the bank wins the case, if the parties fail to perform the judgment within the performance period, the bank may apply for compulsory execution.
When accepting compulsory execution, it will inquire about the property, vehicles, securities and deposits under the debtor's name according to law; In addition, if the debtor has no executable property and refuses to perform the effective judgment, his personal credit report will contain negative information such as overdue payment, and he will be restricted from high consumption and entry and exit, and may even be punished by judicial custody.
Those who have the ability to refuse to execute are suspected of refusing to execute the judgment or ruling. Article 313 of the Criminal Law Whoever refuses to execute a judgment or written order shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine.
What if you owe money to the bank in America?
If it's not on yet, it's overdue. If it is overdue, there will be some bad effects. The analysis is as follows:
1, 50% penalty interest and 5/10000 overdue fine will be charged. And it is calculated according to compound interest. The longer the overdue period, the more money you have to pay.
2. After the personal credit report is overdue, it will leave a bad record. With a bad record, it will be very difficult to buy a house, a car and a credit card in a bank loan, including online loans, because now the "Xinlian" has been established, and both banks and online loans will receive credit reports in the future. The information of Xinlian is shared by the loan platform. So there will be records in the expired places.
3. A few days overdue, the bank just sends a text message to remind the user to repay. After one month overdue, the bank customer service will call the user to urge repayment.
4. If the user fails to repay after two months, the bank will forward it to the debt collection company, and the debt collection company will call your family and users for collection. Then the attitude will be bad.
If it doesn't arrive after three months, the bank will start the judicial process, and then the user will receive a lawyer's letter or summons. At that time, users' assets, including real estate, cars and bank accounts, will be frozen, and if there are funds in the bank accounts, they will be used for repayment and payment.
6. If this step is taken, users will be blacklisted as "untrustworthy". If blacklisted, they can't fly, take the high-speed train, stay in star-rated hotels, be a company, be a director or a member of the board of directors, even bring trouble to their families, and their children can't go to private schools. If the circumstances are serious, they will be sentenced.
7. Therefore, it is best not to owe money to the bank. The consequences will be serious. The loan should be repaid on time. If you do have difficulties, you can take the initiative to consult with the bank, and the bank will reduce some overdue interest according to the actual situation.
Extended data
Article 207 of the Contract Law stipulates that "if the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations".
Penalty interest will be charged if it is overdue. From the overdue date, default interest will be charged at the agreed interest rate 150% every day until the payment is overdue. Your overdue record will be collected by the People's Bank of China, which will affect your credit record. Please cherish your credit and repay on time.
If loans overdue exceeds a certain period, the relevant records of overdue users will be transmitted to the personal credit information system of the central bank. In addition to uploading overdue information to the central bank's personal credit information system, Lending will continue to cooperate with third-party credit information agencies such as Qianhai Credit Information, Shanghai Credit Information and Pengyuanzheng Credit Information.
For loans that are overdue or not used according to the purpose agreed in this contract, interest will be charged at the default interest rate from the date when they are used in loans overdue or not according to the purpose agreed in this contract until the loan principal and interest are fully paid off. For the interest that cannot be paid on time, compound interest shall be calculated at the penalty interest rate.