1, under normal circumstances, if the credit card is overdue for reasons other than personal reasons and cannot be repaid due to bank reasons or external force majeure, you can raise an objection to the credit information center of the central bank after repayment and ask the bank to modify the credit information. Credit can be resumed within 20 days at the earliest after confirmation.

2. If the credit card is overdue for my own reasons, it will take 5 years for the repayment to return to normal. Article 16 of the Regulations on the Administration of Credit Information Industry stipulates: "The retention period of personal bad information by credit information institutions is five years from the date of termination of bad behavior or incident, and it will be deleted after five years." It should be noted that if overdue records appear again within 5 years, the credit recovery time must be recalculated.

If you want to continue to issue loans in the bank, it depends on the severity of overdue. In the banking industry, there is a criterion, that is, in the past five years (some banks have three years), there have been no accumulated overdue (arrears of interest) for more than six times or more than three months. After the original overdue payment is paid off, you can re-apply for a loan. However, if the above problems occur six times in a row, it will take five years to apply for a loan and cancel the record.

1. How much credit card arrears will be prosecuted?

First, about the overdue amount. In fact, as long as there are outstanding debts, they may be sued by banks.

In addition, if the overdue amount exceeds 654.38 million yuan and the overdue time exceeds 6 months, it can be considered as malicious overdue and the bank will sue in court.

Second, under what circumstances will you go to prison?

1. Use forged credit cards or credit cards fraudulently obtained with false identity documents;

2. Use an invalid credit card;

3. Fraudulent use of other people's credit cards;

4. Malicious overdraft. A "huge amount" of credit card fraud constitutes a crime.

In the new credit card regulations, the judicial interpretation adds two restrictions to malicious overdraft: first, the issuing bank conducts two liquidations; It's been more than three months.

Generally speaking, whether to sue or report the loss of a credit card after it is overdue depends mainly on the attitude and handling method of the bank. Of course, it is absolutely impossible to expire.

Third, what if the credit card expires?

1. No matter how much you need to repay, try to repay a little and let the bank see your attitude. 2. Actively contact the bank to explain the overdue situation and strive for interest-free installment payment opportunities. 3. Strive to increase income and reduce unnecessary expenses. 4. Clean up debts, arrange repayment reasonably and avoid being sued.