We all know that overdue repayments cannot occur when using credit cards, but many users consume without restraint when using credit cards, resulting in the eventual inability to repay their credit card bills.

A credit card overdue of 400,000 for 4 years is a very serious overdue situation. According to the provisions of the crime of credit card fraud, he has already committed the crime of credit card fraud. According to the current sentencing standards for credit card fraud, the credit card has to be charged 40,000 yuan. If 4 years is required, the minimum sentence is 5 years or less in prison.

Therefore, users must pay attention to their overdue credit card issues and do not turn a blind eye to them and end up in jail.

The reason why the overdue user of 400,000 yuan has not been jailed for 4 years is because the bank has not yet prosecuted the overdue user. Once the bank prosecutes the user, the user will not be able to escape jail. Therefore, the user’s credit card must be overdue. You should actively communicate with the bank to avoid the bank from suing you.

Generally, as long as users actively contact the bank and have an attitude to deal with the problem, the bank will not prosecute the user. However, if the user evades the bank's collection after overdue payment, or even chooses to run away. Road to escape the loan.

This will cause the bank to sue the funds, and you will be arrested and imprisoned. Therefore, you must not run away after the credit card is overdue. Running away will lead to the worst consequences.

If the user wants to deal with his 400,000 yuan debt, he can gradually solve it through the following methods:

1. Borrow money from relatives and friends to repay the credit card debt, and settle it first After the bank owes you, you can repay other people's loans, thereby mitigating the adverse effects of overdue credit cards.

2. Negotiate with the bank, apply for an interest moratorium and longer-term installment repayment, so as to disperse your current repayment pressure and gradually resolve your credit card debt.

3. Increase your income, while reducing your daily consumption, and use the funds for credit card repayments. The sooner you pay off your credit card debt, the sooner you will get rid of the big problem in your heart.