1. How much overdue credit card debt will you be sued for?

You will be sued for an overdue credit card amount of 10,000 yuan.

When a credit card holder fails to repay the minimum repayment amount for three consecutive months, the card-issuing bank has the right to file a lawsuit in court.

However, banks generally will not sue easily. After all, it requires a lot of manpower, material and financial resources. As long as the card holder is repaying the loan, or has shown the bank that he or she is actively willing to repay the loan, the bank is basically willing to negotiate.

If the overdue balance is not paid, the bank will mainly ask the cardholder to repay through text messages or phone calls. However, if the bank still refuses to repay the loan after repeated collections, or even changes the contact information or runs away, and the overdue amount is large, the bank will not be able to contact the cardholder and will recover the money from the cardholder through legal channels. Arrears. At that time, the public security department may also intervene.

2. What will happen if you are sued for an overdue credit card?

1. Continuous reminders from the bank

(1) When the borrower repays overdue, The bank's credit card customer service center will first make multiple phone calls;

(2) 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; < /p>

(3) If the loan is not repaid after repeated calls, the bank will sue in court.

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

(1) 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 persuasion, repayment is urged, but if the cardholder refuses to repay, the court can take enforcement action;

(2) Subsequently, the court will liquidate the cardholder’s assets to repay the card debt, and freeze related properties.

3. Malicious default will lead to imprisonment and fines

(1) A credit card that is overdue for three months can be regarded as a malicious overdraft penalty, but if you communicate with the bank in advance, you can prove Depending on your repayment ability and repayment plan, you will generally not face criminal liability.

(2) However, the court has ruled that cardholders who still do not return will be dealt with according to the "Criminal Law". In serious cases, they may face three years in prison and fines. In particularly serious cases, they may face longer A prison term of three to seven years and a fine.

If the cardholder fails to return the credit card on time, it will cause overdue behavior. Not only will the overdue payment have to pay interest and liquidated damages, but the personal credit will also leave a bad overdue record. It will be more difficult to apply for a loan in the future. If the overdue period is more than three months and the amount reaches 10,000 yuan, and the cardholder fails to pay back the debt after repeated collections by the bank, the bank will sue the cardholder.