1. You can entrust your family and friends to handle the overdue credit card.

2. The debtor can't be exempted from the responsibility of credit card because the personal freedom is restricted by detention, and the bank still has the right to sue.

3. The parties take the initiative to communicate and negotiate with the bank, or contact family and friends to handle it on their behalf, otherwise it may constitute credit card fraud. If the amount owed reaches 1 10,000 yuan, and it is still not returned for more than 3 months after being collected by the bank twice, it constitutes the crime of credit card fraud and should bear criminal responsibility. Malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.

What are the possible consequences of overdue credit cards?

1, high overdue fee

Calculated according to the daily interest rate of five ten thousandths, compound interest is calculated monthly. The interest-bearing time is calculated from the day when the card is swiped, not according to the number of overdue days. In addition, banks will charge a certain percentage of liquidated damages for overdue repayment of credit cards, with the minimum amount ranging from 1 yuan to 30 yuan. The proportion of liquidated damages is the same, which is uniformly stipulated by the People's Bank of China, and 5% is charged for the unpaid part of the minimum repayment amount, with compound interest at the same time.

2. The credit record is classified as bad.

If the bank repeatedly urges itself not to pay back the money, the overdue credit card will affect the credit record, and there will be problems with the loan in the future, and the credit of the mortgage car loan can be forgotten within two years. If it is overdue for too long, it will constitute malicious fraud, so if you don't want to be caught, you'd better pay it back quickly. Don't just think about fun, not hard work.

Step 3 face jail time

According to the provisions of the Criminal Law, if the credit card overdraft exceeds the prescribed limit or is not returned after being collected by the issuing bank within the prescribed time limit, it will be regarded as malicious overdraft, and it will be sentenced to fixed-term imprisonment and fined according to law. If the amount is especially huge, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated.

To sum up, as long as compulsory measures are taken to prevent repayment, you can inform your family or friends in time, or negotiate with the bank to strive for a favorable repayment method. If you choose to ignore it, you will not only bear the overdue interest, but also your credit information will be damaged.

Legal basis:

Criminal law of the people's Republic of China

Article 196

Under any of the following circumstances, it constitutes the crime of credit card fraud, and if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

1, using forged credit cards, or using credit cards fraudulently obtained with false identification;

2. Use an invalid credit card;

3. Fraudulent use of other people's credit cards;

4. Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.