1. How to check if your credit card is overdue and is sued by the bank

1. Check at the bank counter

If your credit card is overdue and you are sued by the bank, hold the card People can check at the bank counter and only need to bring their ID card. If the court has not filed a case, the cardholder should negotiate with the bank for repayment as soon as possible, and it is best to provide proof of non-malicious overdue payment.

2. Court inquiry

If your credit card is overdue and you are sued, you can also go directly to the local court with your ID card information to inquire. Some criminals may send such text messages for fraudulent activities, so cardholders must check and verify it themselves. If they do get sued, the cardholder should be subject to a court summons.

2. What to do if you are sued for an overdue credit card

1. Pay off the debt immediately

If you are sued for an overdue credit card, we should do it if we are able Pay off your balance immediately. If you cannot repay the debt in full, it is recommended to find relatives and friends to make a turnover, and then work hard to pay off the debts of relatives and friends to avoid the consequences of being sued.

2. Negotiate repayment

If the credit card is overdue and is sued, we still have the opportunity to negotiate repayment with the bank. Once we receive notice of the bank's lawsuit, how much should we be able to repay, and then contact the bank to inform us of our current financial situation and state that we are not overdue with malicious intent. For now, we want to pay it back through negotiated repayment. However, we can only actively respond to the lawsuit if the court has filed a case.

3. What will be the consequences if your credit card is overdue?

1. Overdue interest will be charged.

After users use a credit card to overdraft, they generally have an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder fails to fully repay the overdraft within this interest-free repayment period, the cardholder will no longer enjoy the bank's interest-free treatment for all expenses incurred last month, and the recurring daily interest rate is as high as 0.05%. , that is, the annual interest rate reaches 18%.

2. Credit card late payment fees will be incurred.

Credit card late payment fees refer to the fees that the cardholder should pay to the card-issuing bank according to regulations when the cardholder fails to repay before the due payment date (inclusive) or the repayment amount is less than the minimum repayment amount. At present, the standard for late payment fees of most banks such as China Merchants Bank, China Construction Bank, ICBC, and Shenzhen Development Bank is 5% of the unpaid portion of the minimum repayment. The minimum late payment fee for CCB Long Card is RMB 5, while the minimum late payment fee for CMB Dual Currency Credit Card is RMB 10. Yuan or 1 US dollar.

3. It will produce a bad credit record.

Overdue repayments by credit card users will be recorded as bad credit records, and the basic database of personal credit information has been networked nationwide. As long as residents have handled loan business at banks, applied for credit cards, or provided others with If you pass a guarantee or other acts, you can check the credit report at any domestic commercial bank. For customers with bad records, banks will treat them with caution in future loan applications. They may require customers to provide mortgages and guarantees, may reduce the loan amount, increase the loan interest rate, or even refuse the loan. On the contrary, if the credit report has a good record, you may enjoy preferential treatment in terms of amount and interest rate in future credit business.

4. Litigation costs may arise over time.

If the cardholder fails to repay the overdraft after 2 months, the bank will call to remind the user to repay. If the loan is not repaid, the bank will ask a lawyer to issue a lawyer's letter to the user. If the user still refuses to repay after 180 days of overdraft, the bank will file a lawsuit with the court, and the losing party will bear the litigation costs of the case. When a bank sues to require the user to repay, the bank usually wins, so this part of the cost will be borne by the user. bear.

5. Malicious overdraft requires criminal liability.

According to Article 196 of my country's "Criminal Law" and relevant judicial interpretations, malicious overdraft means that the cardholder overdrafts beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and the card holder still overdrafts after being called by the card issuer. Non-repayment; malicious overdraft and credit card fraud. Those with larger amounts will be held criminally responsible for credit card fraud.

If the credit card is overdue for a long time, it can be resolved through litigation. If the debtor wants to check whether he is being sued, he can directly go to the bank to check. If it is determined that he is overdue, he can Negotiate with the bank to try to pay in installments or extend the bill date for repayment. As long as the negotiation is good, the bank will have the opportunity to withdraw the lawsuit.