How much is the overdue interest of 6, credit cards for 2 years? The consequences are quite serious!

Credit card overdue is a serious matter, because if it is overdue, interest will be charged every day, especially those with huge overdue amount, which may also cause huge penalty interest and quite serious consequences. Just a while ago, someone asked: How much is the overdue interest of 6, credit cards for two years? What are the consequences? I will answer your questions today.

how much is the overdue interest of 6, credit cards for 2 years?

you have to pay late fees and interest for overdue credit cards. The late payment fee is charged at 5% of the unpaid part, and the interest is charged at .5% of the full bill every day after you are overdue, and the interest will be compounded monthly.

So if your credit card is 6, yuan overdue for two years, the late payment fee and penalty interest will add up to at least 2, yuan, and you will have to pay back at least 7, yuan and 8, yuan with interest.

what are the consequences of a credit card that is 6, years overdue?

1. Huge penalty interest

As mentioned above, if you owe 6, yuan and fail to pay it back for two years, the overdue amount is huge, and if you don't pay it back for a long time, the accumulated penalty interest can form a huge sum.

2. blacklisting

The situation that the credit card owed 6, yuan is overdue for two years will definitely be blacklisted by the People's Bank of China. If you enter the blacklist, your personal credit information will leave a stain. After that, you basically don't want to apply for a card loan, and your life and travel will be affected to a certain extent.

the above is about "how much is the interest on the credit card that is 6, yuan overdue for 2 years? What are the consequences? " The answer. A situation like this with a huge overdue amount and a long overdue time will result in a huge penalty interest, and it will definitely be blacklisted, which will have a very serious impact on life.

how many years will you go to jail if you owe about 6, yuan to your credit card?

it is a malicious overdraft. According to Article 196 of the Criminal Law, it shall be sentenced to not less than five years but not more than ten years, and a fine of not less than 5, yuan but not more than 5, yuan shall be imposed.

According to the Criminal Law of the People's Republic of China:

Article 196 Whoever engages in credit card activities under any of the following circumstances, if the amount is relatively large, shall be sentenced to not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; if the amount is huge or there are other serious circumstances, he shall be sentenced to not less than five years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan.

If the amount is especially huge or there are other particularly serious circumstances, the offender shall be sentenced to not less than 1 years, or fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated:

(1) Using a forged credit card or using a credit card fraudulently obtained with false identification;

(2) using an invalid credit card;

(3) fraudulent use of another person's credit card;

(4) malicious overdraft.

the malicious overdraft 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.

those who use credit cards concurrently shall be convicted and punished in accordance with the provisions of article 264 of this law.

Extended information:

According to the Interpretation of the Supreme People's Republic of China and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management:

Article 6 If a cardholder overdraws beyond the prescribed limit or within the prescribed time limit for the purpose of illegal possession, and fails to return it for more than 3 months after being repeatedly urged by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.

under any of the following circumstances, it shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196 of the Criminal Law:

(1) knowing that there is no repayment ability, a large amount of overdraft cannot be returned;

(2) the overdrawn funds are squandered and cannot be returned;

(3) escaping after overdraft, changing contact information, and evading bank collection;

(4) Evading or transferring funds, concealing property and evading repayment;

(5) using overdrawn funds for illegal and criminal activities;

(6) other illegal possession of funds and refusal to return them.

malicious overdraft, the amount of which is more than 1, yuan but less than 1, yuan, shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 1, yuan but less than 1 million yuan, it shall be deemed as "a huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 1 million yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.

the amount of malicious overdraft refers to the amount that the cardholder refuses to return or has not returned under the conditions specified in the first paragraph. Does not include compound interest, late fees, handling fees and other fees charged by the issuing bank.

criminal responsibility should be investigated for malicious overdraft. however, if the overdraft interest has been fully repaid before the people's judgment is announced after the public security organ files the case, it can be given a lighter punishment, and if the circumstances are minor, it can be exempted from punishment. If the amount of malicious overdraft is large, and all the overdraft interest has been repaid before the public security organ files a case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law.