if the card debt you owe has been repeatedly urged by the bank, but you are not urged, then the bank may have sued the court. After entering the judicial process, the bank has included this debt as a bad debt loss and will not pursue it, but for the cardholder, it will face jail time. According to China's laws, arrears of more than 5, yuan are malicious overdrafts and will be included in the blacklist of credit card fraud. If the payment is overdue for more than three months or the bank has made more than two reminders, the bank will freeze your card and list it as a prohibited customer (blacklist). At the same time, it will also sue for credit card fraud and malicious overdraft, which will be enforced by the court. If a person refuses to repay the loan after prosecution and the amount owed exceeds 5,, the court will impose a sentence according to the crime of credit card fraud in Article 196 of the Criminal Law.
do you collect credit information at the meeting when the credit card is overdue?
Credit information will be collected at the meeting when the credit card is overdue, once. As long as the credit card is overdue, even for one hour, the bank will upload the overdue record to the credit information center, which will make the overdue user's personal credit information have a bad record. However, as long as the arrears are short and the amount is relatively small, it will not affect the future loan business in most cases. If the overdue time is too long, it will be regarded as a malicious overdraft, and it will be very difficult to handle bank credit business in the future.
Will you go to jail if you owe money on your credit card?
1. You may go to jail if you don't pay your credit card.
2. If the credit card is overdue for more than three months or the bank has made more than two reminders, the bank will freeze your card and list you as a prohibited customer (blacklist), and will also sue you for credit card fraud and malicious overdraft, which will be enforced by the court.
3. Those who refuse to repay the loan after prosecution and owe more than 5, yuan have the purpose of illegal possession, and the court will mete out punishment according to the crime of credit card fraud in Article 196 of the Criminal Law.
Legal basis
Provisions of the Supreme People's Court on the Attachment, Seizure and Freezing of Property in Civil Execution by People's Courts
Article 13 The people's court may attach, detain and freeze the property of the person subjected to execution that is occupied by a third party for the benefit of the person subjected to execution; If the property is designated to a third party for continued custody, the third party may not deliver it to the person subjected to execution.
The people's court may seal up, detain and freeze the property of the person subjected to execution that is legally occupied by a third party for its own benefit. The third party may continue to occupy and use the property, but may not deliver it to the person subjected to execution.
Article 14 If the person subjected to execution sells his property to a third party, and the third party has paid part of the price and actually possessed the property, but the person subjected to execution retains the ownership according to the contract, the people's court may seal it up, detain it or freeze it; If the third party requests to continue to perform the contract, it shall make an order to lift the seal-up, seizure and freezing after paying all the balance to the people's court.
if a third party borrows the property of the person subjected to execution for free, it shall not be subject to the restrictions stipulated in the preceding paragraph.