1. If the credit card is overdue, the bank will do so.

1. overdue: for overdue credit card holders, the bank will have a grace period of 1 to 2 months. During this period, the bank will call and send text messages to remind customers of repayment, and the third month will be officially overdue.

2. Collection: If the customer loses contact after the credit card is overdue, the bank will have a special team to collect it.

3. If the cardholder still fails to repay, the bank will send a lawyer's letter to the customer.

Second, overdue credit cards will have the following terrible consequences.

1. Penalty interest: interest is charged at the rate of five ten thousandths of the daily interest.

2. Late payment fee: The late payment fee is usually 5% of the overdue amount.

3, personal credit impact: the most troublesome thing is the personal bad credit record caused by overdue-generally, the credit card is overdue for no more than 3 times, you can apply for a credit card or a loan, but the amount is small, but the interest is high; Overdue repayment for more than 6 times or 1 time will be listed in the "blacklist", and credit cards and loans will not be processed in the future.

4. Malicious overdraft: if the cardholder exceeds the prescribed limit or overdraws within the prescribed time limit for the purpose of illegal possession, and fails to return it for more than three months after the card-issuing bank has twice collected it, it will be regarded as "malicious overdraft".

5. Criminal offence: According to the criminal law, a malicious overdraft of a credit card of more than 5,000 yuan constitutes a crime of credit card fraud and can be sentenced to fixed-term imprisonment of not more than 3 years; Malicious overdraft of more than 50,000 yuan and less than 200,000 yuan is a huge amount, and may be sentenced to fixed-term imprisonment of more than 5 years 10 years; More than 200,000 yuan is a huge amount, and the sentence exceeds 10 years.

Third, remedial measures after the credit card is overdue.

1, the cardholder shall pay off the arrears in time;

2. If the credit card repayment is overdue due to bank reasons, or other non-malicious behaviors of defaulting on credit card repayment, the cardholder may apply to the bank for personal objection handling and elimination;

3. Remind the cardholder that if bad credit has been generated, don't think about canceling the card.

4. The law stipulates that the central bank will issue a new regulation on the retention time of credit records from 20 12. According to the regulations, the retention time of personal credit records is changed to five years. This means that if the cardholder has a bad record, after five years, the bad record will naturally be covered by a new record. Therefore, the best way to generate bad credit is to continue to use the card and maintain its long-term benign use, so as to "clear" personal credit records through good credit transactions in the future.