1. Will a credit card be prosecuted if it is overdue?
After the credit card is overdue, the general bank will not come directly to the door. After all, the collection cost of credit cards is relatively high. However, if the overdue amount is relatively large and the overdue time is relatively long, it is very likely to come to the door for collection. As for the specific collection time, it needs to be determined according to the actual situation of users. Generally speaking, users have a good attitude and a certain willingness to repay when collecting money by telephone, and banks will not collect money. However, if the user has a bad attitude and evades dunning, and the overdue amount is large, the bank can make dunning. The specific dunning time needs to be determined according to the actual situation of the bank, and there is no accurate deadline.
Generally speaking, as long as the user does not repay the loan, the bank will not completely stop the collection. If the user doesn't receive the reminder from the bank, it may be because the bank can't contact him at all. This kind of deliberate evasion of bank collection will only lead to more and more serious overdue consequences, and finally reach an irreparable level.
In addition, banks may also sue cardholders. If you are sued and fail to repay the loan within the time limit, the amount exceeds 50,000 yuan, and you are likely to be convicted.
In addition, evading bank collection is a bad behavior, which is likely to be identified as credit card fraud and eventually lead to imprisonment. Therefore, once the user overdue repayment, we must find ways to deal with overdue repayment, so as to avoid imprisonment in the future. In addition, imprisonment can't solve the repayment problem, and the arrears still have to be paid.
Second, how serious are the consequences of overdue credit cards?
1. Additional penalty: If the cardholder's credit card is overdue, the bank will carry out a series of collection work to remind the cardholder to pay the penalty. The longer the overdue period, the higher the fine.
2. Failed to apply for a loan: If the credit card is overdue, it is easy to apply for a credit. In case of credit stain, bad overdue records will be kept for 5 years. Those who are seriously overdue will be blacklisted and may not apply for loans in the future.
3. Blacklist: Credit cards that are seriously overdue will be blacklisted, restricting cardholders' consumption and travel, and more seriously affecting children's attendance at high-end private schools.
4. Prosecution: If the credit card is overdue for three months and the bank fails to return it twice, the bank has the right to sue the cardholder and force the cardholder to return the arrears.
It is very serious for cardholders to be sued by banks. Once the cardholder fails to repay the loan, it will be deemed as malicious overdraft, which constitutes the crime of credit card fraud, and the cardholder will be investigated for criminal responsibility. Therefore, the cardholder does not have malicious overdraft, but only temporarily encounters financial difficulties and cannot return it on time. You can explain your situation with the bank, get the understanding of the bank and negotiate a solution.