If the user fails to repay the overdraft after 2 months, the bank will call the user to remind the user to repay. If the loan is not repaid, the bank will ask a lawyer to issue a lawyer's letter to the user. If the user still refuses to repay after 180 days of overdraft, the bank will file a lawsuit in court, and the losing party will bear the litigation costs of the case. When a bank sues to demand repayment, the bank usually wins, so this part of the cost is borne by User's responsibility.

According to the provisions of the "Criminal Law", for malicious overdrafts of more than 5,000 yuan on credit cards, and the bank has not paid back after three months of collection, if the circumstances are serious, criminal liability may also be pursued for fraud. For defaulting customers, entering the judicial process will not only affect their reputation, but also incur more costs. In addition to paying off the arrears, they will also have to bear litigation costs.

Extended information:

Consequences of overdue credit cards:

1. Liquidated damages, usually 5% of the unpaid portion of the minimum repayment amount. If you owe 10,000 yuan and the minimum repayment is 1,000 yuan, but you only repay 400 yuan, leaving a shortfall of 600 yuan, then the liquidated damages are 600*5%=30 yuan.

2. The interest is high, and the interest is compounded. The interest rate is very scary when the debt is large. For example, if you owed 100,000 yuan on the 5th of last month, but you only repaid 10,000 yuan on the 5th of this month, and you still owe 90,000 yuan, then the interest will be calculated based on the original 100,000 yuan owed. After one month, the interest will be calculated with interest. ***91,500 yuan. When calculating interest for the next month, your interest from the previous month will be added together and calculated at 0.05% per day.

3. Overdue credit records will be stained, resulting in the inability to handle financial needs such as house purchases and loans within the next two years.

4. If the payment is overdue for more than 3 months, and the amount exceeds RMB 10,000, and the bank has failed to pay multiple reminders, you will not only have to bear the repayment, but may also bear criminal liability.

Suggestions on how to deal with overdue credit cards:

1. No matter how much you need to repay, try to pay back as little as possible to let the bank see your attitude; before the final repayment deadline arrives , take the initiative to call the bank's credit card center, explain your financial situation, affirm that you do not owe money maliciously, and apply for delayed repayment and interest discounts.

2. In view of the cardholder’s active performance and previous good credit record, the bank will often agree to defer the repayment, and work with the cardholder to agree on a mutually acceptable repayment plan, delay period, and interest discount. , monthly repayment amount, etc. In this way, if you proactively contact the bank and get the bank's consent to defer the repayment, you will not be recorded as a bad record, but it should be noted that you will be guaranteed to repay as agreed in the future.

3. If you forget to repay due to negligence and find that it is overdue, you must repay as soon as possible, preferably in full. Then call the bank's credit card center and state that the debt is not malicious. If the record has been good in the past and the overdue time is short, and it is found that the repayment is good after the overdue period, it may not be recorded as a bad record. Be sure to pay attention to bank bill notifications and collection information in the future to avoid overdue payments.

4. Credit card repayment information will be recorded by the central bank's credit reporting system on a rolling basis for 24 months. That is to say, bad credit records caused by overdue credit card repayments will be kept in the credit reporting system for two years. If terminated with a card, the corresponding records will no longer be scrolled, but will be saved for a long time. Therefore, after overdue repayment of a credit card, it is best not to cancel the credit card immediately after paying off the debt. Instead, you should insist on using the card for more than two years and keep your credit in good condition during the period. In this way, you can rely on rolling records to remove bad records from your credit report. Remove it from the system.

Reference: Baidu Encyclopedia-Credit Card Repayment