1. What should I do if my credit card is overdue and the account is closed?

If the credit card is overdue and the account is closed, you can find a bank and repay it. If your credit card is overdue and has been closed, you will not be able to repay it according to the normal repayment method. For example, if you make a transfer payment, it will prompt that the card number is invalid, and you must go to the counter of the card issuing bank to repay. Because it will still be archived in the bank system, only if the debt is paid off will the bad records be kept and eliminated for 5 years. However, overdue credit card cancellation will not create a new repayment record. If possible, see if you can apply for another credit card at the same bank. After the card is approved, continue to use the card for at least 2 years to overwrite the bad records of the previous card.

Anyone who steals a credit card and uses it will be convicted and punished in accordance with the provisions of the crime of theft. The offender shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or solely be fined; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years and not more than 10 years, and shall also be fined; if the amount is particularly huge or there are other particularly serious circumstances , shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined or have property confiscated.

2. How to judge if you are sued for an overdue credit card?

As long as it is not a malicious debt or a malicious overdraft and non-repayment, you will not be blacklisted by the bank. As a bank, On the other hand, if the user has not repaid the loan for a long time, he also has his own set of methods to deal with it.

1. Unconscious and forgotten repayment is mainly aimed at the overdue repayment behavior of early cardholders, which is generally 7 to 15 days overdue. SMS mainly serves as a reminder.

2. For overdue behavior that exceeds one month and exceeds 30 days and more than one billing period, telephone reminders will be issued for repayment.

3. Forgot about it at all? Mainly for overdue payments of more than 90 days, the bank will arrange collection personnel to visit the cardholder's residence or work address to collect repayment.

4. If the card is overdue for more than six months, the bank will apply to the court and require the cardholder to sue for repayment.

5. It belongs to the category of packing up and leaving. Failure to repay is mainly for overdue funds of more than 1 year. The bank will package the overdue funds and give them at a discount to an outsourced collection company, which is responsible for collecting overdue debts. .

As long as there is no malicious arrears or malicious overdraft consumption without repayment, the bank will not be blacklisted. As a bank, if users do not repay for a long time, they also have their own set of methods to deal with it.

In contemporary society, after opening an overdraft credit card, you need to fulfill your repayment obligations as soon as possible in accordance with the contract signed by both parties. Of course, if a credit card dispute arises between the two parties, it can be resolved through negotiation or litigation. The bank may also cancel the credit card account if the other party is overdue.