(1) 60 days overdue is counted as personal credit;
(2) Overdue for 90 days is counted as bad personal credit information;
(3) If it is overdue for more than 90 days, the bank will no longer collect the arrears and will bring a lawsuit to the court;
(4) After the award, the collateral is enforced to pay off the debts agreed in the contract;
⑤ The lender shall bear all the litigation costs.
But if it is a malicious overdraft, it will be prosecuted. Malicious overdraft means that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and has not returned it for more than 3 months after being urged twice by the issuing bank, which shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law. At that time, the bank will sue you, and the principal owed will exceed 10,000 yuan. If your credit card is cancelled by force, you can't apply for credit card and loan for five years. If you pay the arrears first, you can also cover the bad records with two years of good records. All bank cards will not be frozen.