1. What will happen if the credit card is overdue?

1. If the cardholder is seriously overdue, he may be caught. The user's overdue amount reaches 50,000 yuan, and if the overdue amount is still not repaid for more than 3 months after two bank collections, the bank may sue the cardholder for malicious overdraft. Once the public security department confirms the cardholder If the situation is true, then people will be arrested.

2. If there is a case involving credit card fraud, once the public security agency files a case and determines that the user has committed an economic crime, the public security agency will arrest the relevant personnel in and out.

3. If the overdue amount of a credit card user is small and only occasionally overdue, bank staff will arrest the cardholder during collection. In this case, the bank is generally responsible for collection. One tactic is mostly to scare cardholders into paying off their balances as soon as possible.

2. What to do if your credit card is overdue

1. Sort out the debt situation and reasonably allocate the repayment amount. The reason why many people's credit cards have overdue problems is that they either overuse themselves (consumption, cash installment, temporary limit), or use the wrong method (cash out the card, use the card to pay the card, minimum repayment), etc. Debt problems are usually relatively Complex, rarely is a single credit card debt enough to devastate a debtor.

Many people have multiple credit cards that are overdue at the same time, or online loans and personal debts. No matter which one it is, you need to sort out your debt situation in time to avoid complicating the situation again.

2. Regarding high liquidated damages and penalty interest. This fee is charged by the bank on the funds held by the debtor, plus monthly recurring interest. The higher the debtor's debt base, the higher the additional fee. And there is no situation where the debtor will stop interest growth after a certain period of overdue payment, so stopping high liquidated damages and penalty interest is a top priority.

3. How to avoid being sued if your credit card is overdue

The probability of civil credit card prosecution is much greater than criminal. After all, even if you go to jail after a criminal verdict, the debtor will not be able to repay the money after he is released from prison. It is still as difficult as ever to pay back the money, and it will make the debtor feel negative and negative, and he may even not pay back the money at all. Therefore, most current prosecution cases are mainly civil, and are restrained through various civil aspects to put pressure on debtors to repay money.

For example, restrictions on high consumption by "dishonest persons subject to execution". To sum up, in fact, after the credit card is overdue, every debtor will face many problems, which are very painful, making people sympathize and sad. The consequences faced by these debtors were all reached without an agreement with the bank on repayment. Instead of waiting for the debt to be overdue and feeling the despair of not being able to repay it, it is better to negotiate as soon as possible.

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