How to deal with overdue credit card collections? Don’t avoid the collection staff, don’t have unnecessary conflicts with the collection staff, and don’t play “missing”, because as long as you are overdue, you will pay as usual every next month, it’s okay. So worried. Negotiate repayment with the bank: If there is a problem with your personal financial ability and you are unable to repay the entire amount, you can settle. Negotiate repayment and ask the bank to extend the repayment period or reduce the interest, but do not avoid the bank's collection. In this case, credit card interest will only increase. Regarding the issue of how to deal with overdue credit cards, the editor below will give you detailed answers. If you have other credit card issues, you can click on the link at the end of the article for legal consultation and let a professional lawyer share your worries.

1. How to deal with an overdue credit card that comes to your doorstep 1. Don’t avoid collection officers: When encountering bank collection officers who come to collect debts, the collectors should have a good attitude. Don’t have unnecessary conflicts with the collection officers, and don’t play “ Missing”, because as long as you make your monthly repayments as usual after being overdue, there is nothing to worry about. 2. Negotiate repayment with the bank. If there is a problem with your personal financial ability and you cannot repay all the money, you can negotiate with the bank for repayment and ask the bank to extend the repayment period or reduce the interest, but you must not avoid the bank's collection. Credit card interest is only going to get higher.

2. What are the components of credit card fraud? 1. Use forged credit cards or credit cards fraudulently obtained with false identity documents to defraud property. (1) Credit cards stipulated in the Criminal Law refer to electronic payment cards issued by commercial banks or other financial institutions that have all or part of the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc. (2) Use means using the counterfeit credit card as a real and valid credit card in accordance with the usual usage of credit cards. (3) The use of counterfeit credit cards is limited to natural persons. Anyone who uses a counterfeit credit card to obtain property at a machine is guilty of the crime of theft. (4) If you use a so-called "altered" credit card (such as a credit card with the information in the magnetic strip changed), you should be deemed to have used a counterfeit credit card. (5) Anyone who uses a forged credit card to privately pledge a guarantee to defraud others of their property is not guilty of credit card fraud and should be considered a crime of (contract) fraud. 2. Use expired credit cards to defraud property. (1) The subject of using a canceled credit card can be the cardholder or other persons. (2) The use is limited to natural persons. (3) Anyone who uses a expired credit card to obtain property from a machine is guilty of the crime of theft. 3. Pretend to use other people’s credit cards to defraud property. (1) Fraudulent use of other people's credit cards generally occurs when a non-cardholder uses the card holder's credit card in the name of the card holder to defraud property (but there is no need to limit other people's credit cards to other people's real and valid credit cards). (2) The act of using a credit card in your own name does not constitute the crime of credit card fraud. 4. Malicious overdraft. (1) Malicious overdraft refers to the cardholder’s overdraft exceeding the prescribed limit or prescribed period for the purpose of illegal possession, and the card-issuing bank still fails to return the money after being called upon by the card-issuing bank. (2) The cardholder who maliciously overdrafts is an identity criminal and should refer to the legal cardholder.

3. What is the process of overdue credit card prosecution? 1. The process of overdue credit card prosecution: (1) After the bank has repeatedly called for payment, if the cardholder still does not repay, the bank will file a civil lawsuit with the court. ; (2) After receiving the bank's lawsuit request, the court will investigate the truth. If it is determined that the cardholder has been in arrears with repayment for a long time, the court will ask the bank for the cardholder's personal information; (3) The bank will compile the litigation materials and submit Submit to the court for review and approval; (4) After receiving the litigation materials, the court will generally review and approve the case within 7 days to decide whether to accept the case; (5) After the civil ruling, if the overdue user fails to repay the loan, the bank has the right to apply for coercion If executed, user property may be confiscated. Users who refuse to repay will be guilty of credit card fraud and need to bear criminal responsibility; (6) Generally, about four months after the case is filed for investigation, the bank will entrust the local People's Procuratorate to file a public prosecution in the court.

If the user is unable to repay the debt, the Public Security Bureau may arrest the overdue user for credit card fraud. 2. According to the judgment, only the debtor shall bear civil liability, or he shall be imprisoned.

Remind you: If your credit card is overdue, you should take the initiative to negotiate with the bank. If a credit card holder cannot afford to repay the credit card debt, the card holder can deal with the credit card repayment problem by: using the credit card's time tolerance service, modifying the billing date of the credit card, making installments or minimum payments on the credit card, etc. I hope the above content can be helpful to you. If you have other questions, you can click the button below to consult a creditor and debt lawyer.