Ten thousand yuan, three months. Generally, if a credit card is overdue for 10,000 yuan, the bank will sue you. If your credit card is overdue by more than 10,000 yuan, you can file a lawsuit. If a cardholder maliciously overdrafts a credit card of more than 10,000 yuan for the purpose of illegal possession and fails to return it for more than 3 months after two collections by the issuing bank, he or she is suspected of credit card fraud and may be investigated and held criminally responsible.

1. How much will you be prosecuted for if your credit card is overdue?

1. Generally, if a credit card is overdue by more than 10,000 yuan, the bank will file a lawsuit.

2. If the cardholder maliciously overdrafts more than 50,000 yuan on a credit card for the purpose of illegal possession and fails to return it for more than 3 months after two collections by the card-issuing bank, he will be suspected of credit card fraud. A case can be opened for investigation and criminal responsibility investigated.

3. If all overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, the punishment may be reduced or criminal liability may be waived.

4. Malicious overdraft refers to the cardholder’s overdraft exceeding the prescribed limit or prescribed period for the purpose of illegal possession, and the card-issuing bank still fails to return the card for more than three months after two calls for collection.

2. How long does it take for a credit card to be overdue before you can sue

1. How long does it take for a credit card to be overdue for three months to sue?

2. As long as the user's credit card is overdue for more than 3 months, and the bank has made at least 2 effective collections on the user during the overdue period, and the user still fails to repay, it is a malicious overdraft, and the bank has the right to charge the overdue card holder. people sue.

3. If it constitutes a crime, you will be held criminally responsible.

3. What will happen if the credit card is overdue and is sued?

For malicious overdraft of more than 50,000 yuan on a credit card, the cardholder intends to illegally possess it

1. Continuous reminders from banks

(1) When a borrower overdues payment, the bank’s credit card customer service center will first make multiple phone calls

(2) If the payment is still outstanding The bank will entrust a third party to collect the payment, usually through continuous phone calls, text messages, or even door-to-door collection;

(3) If the loan is not repaid after repeated collection, the bank will sue the court. .

2. Being sued by the bank and unable to apply for a loan

(1) The cardholder will be added to the credit blacklist and unable to apply for a loan. The court will collect collection. After receiving the court summons, After investigation and persuasion, if the cardholder refuses to repay the repayment, the court can take enforcement action;

(2) Subsequently, the court will liquidate the cardholder’s assets to repay the card debt, and freeze related properties.

3. Malicious default will lead to imprisonment and fines

(1) If a credit card is overdue for three months, it can be regarded as a malicious overdraft penalty. However, if you communicate with the bank in advance, you can prove Depending on your repayment ability and repayment plan, you will generally not face criminal liability.

(2) However, the court has ruled that cardholders who still do not return will be dealt with according to the "Criminal Law". In serious cases, they may face consequences of three years in prison and fines. In particularly serious cases, they may face longer A prison term of three to seven years and a fine.

When a credit card is overdue, you need to actively contact the bank and do not disconnect the bank. If it exceeds 90 days, the bank can sue.

Legal basis:

Article 196, Paragraph 1 of the Criminal Law

Under one of the following circumstances, credit card fraud is carried out, and the amount is relatively large If the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years of fixed-term imprisonment and a fine of not less than 20,000 yuan but not more than 200,000 yuan. A fine of not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the sentence is to be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

(2) Using an expired credit card;