1. How long does it take for a credit card to be considered overdue?

1. The number of days for a credit card to be considered overdue is related to the credit card's repayment grace period.

2. Usually major banks have a grace period for credit card repayments. The general grace period is three days. If the balance is paid off on the third day after the repayment date, it is not considered overdue. A credit card is considered overdue if the credit card's repayment grace period has passed and the balance has not been paid off.

3. An overdue credit card will affect the cardholder's credit, thereby affecting the cardholder's loan and credit card application. Therefore, the cardholder should repay the loan on time and not be overdue. If you need a lawyer to intervene, you can consult a lawyer specializing in creditor's rights and debts.

2. How long does it take for a credit card to be overdue before it is blacklisted?

1. As long as it is overdue for more than 90 days, it is generally a blacklist. This is the standard of most banks.

2. Under normal circumstances, if a personal credit card bill is overdue, the bank will collect the debt from the debtor in accordance with relevant regulations in the first three months.

3. If collection is successful within these three months. Then the bank will not take the next step of collection action. If the bank fails to collect the credit card within three months, then according to the law, if the credit card is overdue for 3 months and fails to collect the credit card, the bank can take legal proceedings.

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

1. The bank’s continuous reminders

When a borrower overdue repayment occurs, the bank’s credit card customer service The center will first make multiple phone calls; if the payment is still outstanding, the bank will entrust a third party to collect the money, usually through continuous phone calls, text messages, or even door-to-door collection. After multiple calls for unpaid debt, the bank will The court prosecutes.

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

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 If the cardholder refuses to repay the card after being persuaded and urged to repay, the court can take enforcement action. Subsequently, the court will liquidate the cardholder's assets to repay the card debt and freeze the relevant property.

3. Malicious default will lead to imprisonment and fines

If your 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 and prove your repayment, If you have a repayment ability and a repayment plan, you will generally not face criminal liability. However, the court ruled that cardholders who still do not return will be dealt with in accordance with 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 term imprisonment of three to seven years and a fine. fine.

Generally speaking, the grace period for credit card repayments is three days. If the debt is paid off on the third day after the due date, it is not considered overdue. If the credit card payment grace period has passed and the debt has not been paid off, the credit card can be considered overdue. Overdue credit cards will affect the cardholder's credit, thereby affecting the cardholder's loan and credit card applications, so cardholders should repay on time and not be overdue.