1. Civil proceedings for overdue credit card

1. The bank informs the cardholder to repay the loan, and the cardholder will be sued for non-repayment;

2. The bank formally sues, and then the cardholder will receive a summons;

3. The summons may be sent to the cardholder's home or work unit, and

4. Then the cardholder will appear in court on the day of the court session.

6. If the cardholder still refuses to pay back, he will go to jail.

7. As long as the bank sues, there will definitely be a fine, which is generally between 2% and 5% of the amount owed.

2. Consequences of being sued for overdue credit cards

1. According to the Provisions of the Supreme People's Procuratorate and the Ministry of Public Security on the Standards for Filing and Prosecuting Criminal Cases under the Jurisdiction of Public Security Organs (II), those who maliciously overdraw their credit cards with an amount of more than 1, yuan should file a case for prosecution. "Malicious overdraft" means that the cardholder overdraws beyond the prescribed limit or 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.

2. According to China's Criminal Law, if the cardholder overdraws beyond the prescribed time limit and fails to return it after being urged by the issuing bank, the cardholder who uses a forged credit card, etc., if the amount is relatively large, may be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and concurrently fined not less than 2, yuan but not more than 2, yuan; If the amount is especially huge or other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated. Note: If the amount of malicious overdraft is more than 1, yuan but less than 1, yuan, all overdraft interest has been repaid before the public security organ files the case. If the circumstances are obviously minor, criminal responsibility may not be investigated according to law.

credit cards can easily lead to excessive consumption. This is a common problem for people who are caught in card debt. Credit card spending is not painful, so credit card spending is even more unrestrained. However, only timely repayment can last long. Legal objectivity:

Article 243 of the Civil Procedure Law of the People's Republic of China

A legally effective civil judgment or ruling must be fulfilled by the parties. If one party refuses to perform, the other party may apply to the people's court for execution, or the judge may transfer it to the executor for execution.

conciliation statement and other legal documents that should be executed by the people's court must be fulfilled by the parties. If one party refuses to perform, the other party may apply to the people's court for execution.

Article 245 of the Civil Procedure Law of the People's Republic of China

If one party fails to perform the creditor's rights documents that are legally enforceable by the notary office, the other party may apply to the people's court with jurisdiction for enforcement, and the people's court to which the application is made shall enforce them.

if the notarized creditor's rights document is indeed wrong, the people's court will rule that it will not be executed, and the ruling will be served on both parties and the notary office.