1. After the credit card is overdue, the bank will generally contact the cardholder by phone to remind him of repayment. However, legal proceedings are not taken immediately every time overdue, and the specific prosecution opportunity varies due to factors such as bank policy, the amount of arrears, and the length of overdue time.
2. In most cases, the bank will give the cardholder a certain grace period and let him take the initiative to repay. During the grace period, if the cardholder actively communicates with the bank and proposes a repayment plan, the bank may consider suspending or exempting the prosecution. Therefore, contact the bank in time to explain that the repayment plan is an important way to avoid being sued.
3. If the cardholder fails to repay the loan for a long time and refuses to accept the bank's telephone dunning, the bank may take legal proceedings as appropriate. However, how long it will be prosecuted depends on the internal process of the bank and the complexity of the case, and there is no clear answer. Generally speaking, banks will give priority to settlement with cardholders through negotiation and collection.
To sum up, there is no fixed limit to the time when a credit card fails to answer the phone. Generally, the bank will call to remind the repayment after the deadline, and the cardholder should contact the bank in time to propose a repayment plan to avoid legal proceedings. If you don't repay the loan for a long time and refuse to communicate with the bank, the bank may take legal measures to recover the arrears. Therefore, it is recommended that cardholders repay in time and maintain good communication with banks.
Extended data:
According to China's laws and regulations, under normal circumstances, banks will carry out the collection process before going through legal procedures. The time limit of collection and the start time of legal proceedings vary with different banks and specific circumstances. Therefore, cardholders should carefully read the credit card use agreement to understand the relevant terms and the bank's collection process. It is an important step to communicate with the bank as soon as possible, make a repayment plan and avoid legal problems.
It is worth noting that overdue credit cards may cause bad credit records, which will adversely affect individuals' future credit loans, renting houses and buying cars. Therefore, timely repayment is the key to maintaining personal credit records.
It is suggested that cardholders should communicate with the bank in time, put forward a repayment plan and try their best to fulfill their repayment obligations when they have financial difficulties or can't repay as agreed. This can not only avoid legal disputes, but also protect personal credit records.