1. Will I be prosecuted for owing 10,000 credit cards?

Those who owe credit cards to 10,000 banks can sue and be sentenced.

Whoever commits credit card fraud in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; 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 or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property;

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(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. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.

2. How long can overdue credit card records be eliminated?

First, the overdue records of credit cards can usually be completely eliminated after five years, and there should be no overdue behavior or credit investigation during this period. If the repayment is made on schedule within one year, the previous bad credit record will be refreshed.

Second, there is another case where overdue records can be eliminated every other month. Now many banks have tolerance service. Time grace is what we often call grace day, which is usually about 3 days. Tolerance means that the cardholder can have a certain difference in each repayment bill. This difference is regarded as normal repayment within the prescribed scope, and will not produce bad records such as overdue.

3. How long will the overdue credit card be prosecuted?

First, the affirmative answer is that the cardholder is generally overdue for more than three months, and if the bank fails to collect the money, he will use legal weapons. At this time, he will sue the repayment person normally, and the bank will define the repayment person as credit card fraud.

Second, when the cardholder's credit card has not been repaid after that grace period, the bank will reduce the credit card collection limit after nearly a week.

Third, the cardholder is overdue for one month. In the first half of the month, the bank will collect it by SMS, and in the second half of the month, it will be collected by phone. If it lasts more than 1 month, the bank will hire a third party to contact the family or company directly for collection, which will of course greatly affect the normal life of cardholders.

Special circumstances can click the consultation button on the right. The website provides professional lawyers to answer questions, help you solve the repayment problem and let you return to your normal life.