a credit card that receives a lawyer's letter late may not be prosecuted. First, confirm the authenticity of the lawyer's letter. If the arrears are true, you must repay them in time. Generally, if a credit card is overdue for more than three months, you will receive a letter from a lawyer. When you receive a lawyer's letter from the bank, it means that the bank may sue you. If you have the ability to repay, try your best to repay. On the question of "will credit card overdraft be prosecuted if you receive a lawyer's letter?" Xiaobian compiled the following knowledge.

1. Will a credit card be prosecuted if it receives a lawyer's letter? 1. A credit card may not be prosecuted if it receives a lawyer's letter after the deadline. Please confirm the authenticity of the lawyer's letter first. 2. If the arrears are true, you must repay them in time. Generally, if the credit card is overdue for more than three months, you will receive a lawyer's letter, and the lawyer's letter from the bank indicates that the bank may sue you. If you have the ability to repay, try to repay it.

second, is there a penalty for overdue credit card and interest? After overdue credit card, there is not only a penalty, but also interest. After overdue credit card, a certain percentage of repayment penalty is required. Liquidated damages = (minimum repayment amount-amount repaid by the due repayment date) ×5%. Moreover, after the credit card is overdue, it does not enjoy the interest-free period, and the interest is calculated from the billing date. If the credit card fails to repay in full after the due repayment date, interest will be charged from the transaction entry date and compound interest will be calculated on a monthly basis. If the repayment amount is less than the minimum repayment amount, the repayment penalty will be paid according to a certain proportion of the unpaid part of the minimum repayment amount. If the minimum repayment amount is returned, although interest is charged, there is no penalty for repayment, and a good credit record can be maintained. A credit card has a three-day repayment grace period, which means that the cardholder can pay off the current bill within three days after the repayment date. If it is not overdue, there will naturally be no expenses. So, for this problem. It should be in the second stage at present. In the second stage, only the credit information was damaged. It doesn't matter if the bank sends you a lawyer's letter as long as the arrears are paid off in time. Whether the bank sends a lawyer's letter means suing the cardholder. For the specific solution, please click the consultation button below to communicate with the lawyer one-on-one and get the "solution".