if the cardholder fails to repay in full and chooses the minimum repayment amount after the due repayment date, the bank generally takes the following measures:
1. Call the overdue credit card or send a reminder letter.
2. If it is overdue for more than 6 times and fails to pay it back once, it will be blacklisted by the Personal Credit Information System of the People's Bank of China. The bank will freeze the credit card accounts of those who fail to pay it back, and add the overdue ones to the blacklist. The record of arrears may be fed back to the Personal Credit Information System of the People's Bank of China, which will affect the cardholder's personal credit record and lead to the cardholder's failure to apply for housing mortgage loans normally.
3. If the overdue amount of the credit card is large (the principal is more than 1, yuan), and it is overdue for more than three months, and the bank still fails to repay it after two times of collection, it belongs to the malicious overdraft of the credit card and constitutes the crime of credit card fraud. If the amount is large, it will be sentenced to fixed-term imprisonment of not more than five years, and if the amount is huge, it will be sentenced to fixed-term imprisonment of not less than five years but not more than 1 years. If all the debts can be paid off in time before the judgment, the criminal punishment can be reduced and exempted.
Many people not only refuse to repay their credit cards after they are overdue, but also evade the bank's recovery by changing their address and mobile phone contact information, which is the most fundamental reason why they are handed over to the public security organs for handling. Therefore, after the credit card is overdue, you should keep in touch with the bank, actively coordinate the arrears, and sign a repayment plan with the bank to avoid jail time! After all, recovering debts is the most fundamental purpose of banks.
Legal basis: the Supreme People's Court's Interpretation on Relevant Issues Concerning the Application of Laws in the Trial of Cases Involving Husband and Wife Debt Disputes
Article 1 The debts incurred by the husband and wife who * * * sign together or one of them ratifies afterwards shall be deemed as the same debts of the husband and wife.
article 2 the people's court shall support the debts incurred by a husband and wife for the daily needs of the family in their own name during the marriage relationship, and the creditors claim their rights on the grounds that they belong to the same debts of the husband and wife.
article 3 the people's court will not support the debts incurred by one of the husband and wife in their personal name beyond the daily needs of the family during the marriage relationship, if the creditor claims the rights on the grounds that they belong to the same debt, except that the creditor can prove that the debts are used for the husband and wife's * * * life, * * * production and operation, or based on the same meaning of both husband and wife.