2. The court will investigate the truth after receiving the litigation request from the bank. If it is determined that the cardholder is in arrears for a long time, the court will ask the bank for the cardholder's personal information;
3. The bank collates the litigation materials and submits them to the court for approval;
4. After receiving the litigation materials, the court will generally examine and approve them within 7 days to decide whether to accept them;
5. After the civil judgment, if the overdue user fails to repay the loan, the bank has the right to apply for compulsory execution and may confiscate the user's property. Users who refuse to repay will constitute the crime of credit card fraud and need to bear criminal responsibility;
6. About 4 months after the investigation, the bank will entrust the local people's procuratorate to file a public prosecution with the court. If the user is unable to repay the arrears, the Public Security Bureau can arrest the overdue user for credit card fraud.
legal ground
Article 266 of the Criminal Law
Whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also, or shall only, be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; 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 or confiscated. Where there are other provisions in this Law, such provisions shall prevail.