Prosecuting procedures for credit card arrears:

1. First, if you still fail to repay the loan after repeated dunning by the bank, the bank will bring a civil lawsuit to the court; After receiving the lawsuit request from the bank, the court will take the initiative to investigate the truth. Once it is confirmed that you have really owed money for a long time, the court will ask the bank for your personal information.

2. The bank collates the litigation materials and submits them to the court for approval; After receiving the litigation materials, the court will generally examine and approve it within 7 days to decide whether to accept the case;

3. If you still don't return it after a civil judgment, you constitute the crime of credit card fraud and should bear criminal responsibility; After the relevant departments file a case for investigation, in about four months, the bank will entrust the local people's procuratorate to file a public prosecution with the court.

Extended information:

Credit card collection can be divided into two types: internal collection and outsourcing collection. Internal collection usually means that customers who are overdue for more than three months are generally reminded by bank customer service (M period), urged by electricity (M1, 2 period) or visited by all business outlets (M3 period)!

outsourcing collection mainly refers to that the credit card center entrusts some companies (some of which are law firms) specializing in the collection industry to make reminders for some customers who are difficult to handle, have problems, have lost contact or have a small amount of money after internal collection fails.

1. ? M period: from the day after the last payment date to the next billing date. During this period, the bank records are hardly damaged, but late fees and full interest will be charged. During this period, banks generally don't collect money, but only remind them to exceed the repayment period through SMS platform or telephone!

2. ? M1 period: it is the continuation of M period, that is, between the second unpaid billing date and the last payment date of the second bill, the credit records will be uploaded to the credit information system of the People's Bank of China, which will most likely affect problems such as house purchase loans or credit loans, and at the same time, late fees will be charged. < P > If it is before the second payment date, it will only be charged once, otherwise it will be charged twice, and the interest will be charged with compound interest on the current amount owed! At this time, banks usually remind customers with large amounts of money, that is, the collectors of the collection department with credit card centers call to remind them to repay! Some banks do not collect money during this period, in order to earn more late fees and interest.

3. ? M2 period: it is the continuation of M1, that is, between the third billing date and the last payment date of the third bill, the credit record has a great influence, and there will be stains in the credit record of the banking industry, which will have a great impact on future loans and job hunting in larger enterprises. There will be a late fee.

if it is before the third payment date, you will be charged a second overdue fine; otherwise, the interest will be charged with compound interest on the current amount owed for three times! At this time, banks generally use the method of urging repayment, and the relevant collectors call to inform them of the impact of credit records, and so on, and they will contact relatives and friends of the debtors to help remind them to repay. Some banks are tough in collection, and even some collectors pretend to be relevant lawyers to put pressure on the debtors, but some banks are light in collection and only carry out reminder collection at this time!

Reference: Credit Card Collection-Baidu Encyclopedia