Credit card lost contact means that the bank loses contact with the cardholder. For example, the phone is never answered when called, or the cardholder has changed his number and cannot contact the bank. Next, the editor of Jintou will introduce What will happen if your credit card expires and you lose contact?

However, if you cannot get through once or twice, you will not lose contact, but no one answers the phone for more than 30 days, and the voice broadcast is that the number you called is empty. , the bank believes that the card owner has lost contact.

The consequences of an expired credit card are serious!

After the bank is unable to contact the cardholder, it will first call the cardholder’s emergency contact and notify the cardholder’s new number and latest address. If the bank does not know the cardholder’s latest information, the bank will If the cardholder exceeds the expiry date for 3 months, the bank will use legal means to demand payment. Even if it cannot contact the cardholder, it will not prevent the bank from filing a lawsuit in court.

There are currently two ways for banks to sue. One is a criminal lawsuit, and the other is a civil lawsuit. The difference between the two is that the overdue amount is different, the nature is different, and the results are also different.

1. Criminal lawsuit: Prosecution in the name of credit card fraud, that is, credit card borrowing The principal reaches 50,000 yuan. If it is overdue for more than 3 months, and the bank fails to repay after two effective reminders, depending on the loan amount, it will be sentenced to at least 5 years in prison or detention, and a fine of 20,000 to 200,000.

2. Civil litigation: If the principal of the loan is less than 50,000 yuan, no criminal liability will be pursued. However, if the debt is not repaid within the specified time after the court's judgment, the court may enforce the cardholder's property and fixed assets, such as cars and homes. Wait, you may be sentenced to refuse imprisonment.