Legal Subjectivity:

If the bank has already sued the bank but has not received a court summons for overdue credit card payments, it is recommended not to go to court but to find a way to repay the debt immediately. payment, the bank will withdraw the lawsuit. Solutions to overdue credit cards: 1. As a credit card holder, once you are unable to repay on time due to unemployment, illness or other accidents, before the final repayment period arrives, the card holder is best to proactively contact the bank's credit card center. Contact by phone, state 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 negotiate with the cardholder a repayment plan acceptable to both parties, such as deferment period, 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, you must repay as soon as possible after discovering that it is overdue, 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. Don't be careless in the future. Be sure to pay attention to the bank's bill notifications and collection information 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 stored 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. In today's credit society, don't underestimate the stains on credit cards. This will result in the inability to handle many banking services, including car loans, housing loans, and commercial loans. Therefore, develop good card usage habits and understand the solutions to overdue credit cards. Be prepared! The law is objective:

Article 177-1 of the "Criminal Law of the People's Republic of China" Whoever interferes with the management of credit cards under any of the following circumstances shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also or a single fine of not less than 10,000 yuan but not more than 100,000 yuan; if the amount is huge or there are other serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than three years but not more than 10 years, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan: (1) Knowingly Holding and transporting counterfeit credit cards, or holding and transporting blank credit cards knowing that they are counterfeit, in larger quantities; (2) Illegal holding of other people’s credit cards in larger quantities; (3) Using false identities Proof of fraudulently obtaining credit cards; (4) Selling, purchasing, or providing others with forged credit cards or credit cards fraudulently obtained with false identity certificates. Anyone who steals, bribes or illegally provides other people's credit card information shall be punished in accordance with the provisions of the preceding paragraph.