If the overdue credit card does not exceed 50,000, most of them are civil lawsuits, and there is a high probability that they do not need to bear criminal responsibility. However, if the cardholder defaults on the principal of less than 50,000, which involves malicious overdraft of credit cards and illegal business expenses with credit cards, there is a high probability that he needs to bear criminal responsibility and go to jail. Simply put, if the credit card is overdue for less than 50 thousand, whether the cardholder needs to go to jail is judged by the cardholder's behavior when using the card.

Consequences of overdue credit cards

First, the cost is high.

If the credit card is overdue, you have to pay interest and overdue fees. Generally speaking, this fee will be higher than the usual repayment fee because of its high interest rate. Generally speaking, the interest rate of overdue credit cards is 0.5 ‰ per day, which is very high compared with bank deposits and bank loans. If the overdue benefits are too late to repay the interest, they may be more and more, like snowballing, and they really can't be repaid in the future, so the credit card is overdue and must be returned as soon as possible.

Second, the influence of personal credit.

Overdue credit cards will fall on the overdue person's credit file. When you use a credit card in a credit bank, there will be problems with your credit. Failure to repay in time will have an impact on your personal reputation in the future, and even on your future mortgage, car loan and work life. I believe many people are aware of the importance of personal credit. In the current information age, people without credit can't go anywhere, and credit report is also very important for personal credit. Once your credit card is overdue, your credit report will show that your credit card is overdue, which is very serious.

Third, facing legal risks.

If the credit card is overdue, you should take the initiative to repay the overdue money, otherwise the bank has the right to negotiate through legal channels and even freeze assets. Any bank credit card will face legal risks, and even the property can be frozen for auction. Personal losses are relatively large, so if the bank credit card is in arrears, it must take the initiative to pay it back in time. And at the same time of economic consumption, we must pay attention to our economic ability and never let the bank credit card expire.