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Will I be sued if my credit card is overdue for more than 10,000 yuan? (Will I be sued if my credit card is overdue for more than 10,000 yuan? Zhihu)

1. Yes, you may be sued if your credit card is overdue by more than 10,000 yuan.

2. Detailed description:

- Banks or credit card companies usually take a series of collection measures to recover overdue amounts, such as phone calls, text message reminders, lawyer letters, etc. These measures are designed to encourage overdue people to pay off their debts as quickly as possible.

- If collection measures are ineffective, the bank may choose to sue the overdue person to recover the amount owed through legal means. The result of a lawsuit may be that the overdue person needs to bear additional penalty interest, late fees, attorney fees and other expenses, and may have an impact on personal credit history.

- Whether an overdue person will be prosecuted depends on various factors, including the amount owed, the time of overdue payment, personal credit history and bank policies, etc. Generally speaking, when the overdue amount is large and the overdue period is long, banks may be more inclined to take legal action.

3. Summary:

An overdue credit card payment of more than 10,000 yuan may lead to the risk of the bank suing the overdue person. When banks recover overdue amounts, they usually take collection measures first. However, if the overdue person fails to fulfill his repayment obligations in a timely manner, the bank may use legal means to recover the arrears.

4.

Extended information:

Late repayment will have a negative impact on personal credit history, which may lead to a decline in credit rating and limit future borrowing and credit cards. Apply. In addition, the bank's prosecution of the overdue person may also result in court proceedings and may require the payment of additional fees.