In fact, overdue situations depend on the situation. The amount is not important, but the attitude is important. The key is the handling method. Don’t be afraid. Overdue has nothing to do with the police station, and the police station cannot control it. The most serious case is prosecution, and finally the execution will be carried out by the bailiff. But even if it is implemented, it can be negotiated, so there is no need to be afraid at all. If you show a sincere attitude, nothing will happen. Even if you owe millions, it will be fine. If your credit card is overdue, the public security bureau calls and says it will take notes to assist in the investigation. What do you think?

When the credit card is overdue, the Public Security Bureau calls to ask for a transcript to assist in the investigation

It depends on whether the police station mentioned on the phone is the police station where the bank is located or where you are. If not, it is most likely a scam call. If necessary, you can go to the police station to verify it in person to avoid being deceived. In this case, your problem is a civil dispute between you and the bank, not a criminal case, and has nothing to do with the police station. If the call is really from the police station, it may be that the police station summoned you after the bank reported the case on suspicion of credit card fraud.

Criminal liability should be pursued for malicious overdrafts, but if all the principal and interest of the overdraft has been repaid after the public security organ files the case and before the people's court pronounces its judgment, the person may be given a lighter punishment. If the circumstances are minor, the penalty may be exempted. If the malicious overdraft amount is relatively large and all the overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal liability may not be pursued in accordance with the law.

What do you think?

Don't believe what some "anti-collection" people say. Repaying 50/100 every month to show your willingness to repay and having a repayment record can avoid criminal liability. When the bank wants to sue, it will be "fat." "When it's time to "eat meat", all the preparations made before are just useless struggles. Don't trust others on the Internet, some "teaching", "crowdfunding * compensation" and other things, in short, the rule of law society leaves evidence, if the fee is WeChat, Alipay transfer, or bank card number transfer, etc., the risk is extremely high ! The most basic guarantees include value-added tax invoices, third-party supervision of payment channels, etc. If you are cheated, there is at least evidence.