How to notify when registering a credit card? It is necessary to carefully distinguish the true from the false

Credit card overdue circumstances are serious, especially because malicious overdraft constitutes a credit card. The bank will report the case to the public security organ. After receiving the report, the public security organ will file an investigation. Once the case is successfully filed, the cardholder You will receive relevant notifications. So, how is the credit card application notified? Let’s find out together below.

After a credit card is filed, the public security agency or the bank will generally send a filing notice to the cardholder. There are two types of filing notices depending on the case.

1. Civil case

If the credit card is overdue but does not meet the standards for filing a criminal case, the bank will file a civil case. This is a civil case.

After acceptance, a case acceptance notice will be sent to the plaintiff, indicating that the bank's case has been accepted and filed. This kind of case filing notice will usually have a local stamp, and then the bank will send the case filing notice to the plaintiff. Mail it to the cardholder to inform the cardholder that the card has been compromised.

2. Criminal cases

The cardholder’s malicious overdraft constitutes a credit card and he needs to bear criminal liability. In this case, the bank will usually report the case to the public security agency. After the public security agency accepts the case, it will be The bank issued a "Notification of Case Filing" indicating that the public security organs had accepted the bank's report and formally filed the case for investigation, and the criminal proceedings began.

The case filing receipt mainly includes the reporter’s information, case type, brief case details, case handler, contact number, and case filing time. The bank will mail this receipt to the cardholder so that the cardholder knows that he has been sued.

In summary, how to notify a credit card case will vary depending on the type of case. It should be noted that there are also some forged notices for outsourced collection, which need to be carefully identified.

How do credit cards usually notify debtors?

Generally, the bank will first notify the debtor by phone, then make a reminder six months after the notification, and finally Awaiting summons to court.

Warm reminder: Credit cards need to be paid on time. Failure to pay on time is against the relevant regulations, so as not to cause unnecessary problems for you and your family in terms of housing, travel and other issues in the future.

Specific notification steps:

1. For the first notification, you need to be able to accurately state your name, what card you applied for, as well as your ID card information and ID number.

How much is yours, what is your ID number, the amount you owe, how much you need to repay and the date of the final repayment deadline.

2. Call again, usually around the sixth month, to make a reminder and prepare a notice.

3. If it is not returned by the due date, the next step will be a summons, which will usually be sent to your home or to your public institution. This needs to be signed by you personally.

4. Finally, the court session begins.

Consequences of overdue credit cards

1. The bank credit card bank center will charge late fees and interest:

1. The late fee is based on the unpaid portion of the minimum repayment amount. Calculated at 5%, the minimum charge is RMB 10 or US$1.

2. At the same time, the bank will also charge an interest of 0.05% per day on the entire bill.

2. Impact on credit:

1. Overdue credit within one month is considered overdue. As long as it is overdue, even once, it will be difficult to increase the credit limit.

2. If you are overdue three times in a row or six times in total, you will have a bad credit record and it will be difficult to get a loan or apply for a credit card in the future.

3. If the credit card is overdue for a certain amount and time, the bank will freeze the credit card.

Legal basis:

Article 6 of the "Interpretation of the Supreme People's and Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Obstructing the Management of Credit Cards"

Upheld If the cardholder overdrafts beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and fails to return the card for more than 3 months after being called upon twice by the issuing bank, it shall be deemed as a "malicious overdraft" as stipulated in Article 196 of the Criminal Law. .

If any of the following circumstances occurs, it shall be deemed as “illegal possession for the purpose” as stipulated in the second paragraph of Article 196 of the Criminal Law:

(1) Knowingly not possessing A large amount of overdraft due to the ability to repay the loan cannot be returned;

(2) The overdraft funds are squandered wantonly and cannot be returned.

The Everbright Bank credit card notification has been filed, how to deal with it?

If a credit card debt case is filed, notification must be made through the service of summons.

A subpoena is prepared by the plaintiff and issued by the court. It is used to notify the respondent that he or she is being sued. The subpoena is issued by the people in accordance with the law and requires the person being summoned to appear in court at a designated place at a designated time to participate in litigation activities or conduct other activities. Litigation behavior.

According to the relevant provisions of the "Civil Procedure Law of the People's Republic of China":

Article 84 The service of litigation documents must be accompanied by a receipt of service. The person shall record the date of receipt and sign or stamp on the delivery receipt.

The date of receipt signed by the recipient on the delivery receipt is the date of delivery.

Extended information:

In order to review the case filing materials, the following steps and methods are generally adopted:

(1) Fact review. When reviewing the facts, we must first examine whether an incident occurred, and then examine whether the incident that occurred is a criminal case. If it is a criminal case, it will also be examined whether the perpetrator needs to be held criminally responsible.

(2) Review of evidence or evidence clues. Common methods include: conducting inquiries or interrogations with the reporter, accuser, whistleblower or surrender; obtaining evidence and materials related to the crime facts and criminal suspects from relevant units or organizations; entrusting relevant units or organizations to investigate and investigate the crime when necessary. Investigate certain issues on your behalf;

The purpose of the investigation during the case filing stage is to understand the facts and circumstances related to the crime, and should be limited to ascertaining whether criminal facts have occurred and whether criminal liability should be pursued. If carried out within the scope, the scope can be expanded.