If the arrears are not repaid, the card issuer will stop all credit cards of the cardholder; If the collection method is invalid, it will be prosecuted by the court. Malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.
Extended data:
If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;
(2) Using an invalid credit card;
(3) Fraudulent use of another person's credit card;
(4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.
Credit cards can generally expire within 3 days.
According to the regulations, it is generally unintentional overdue within three days after the repayment date, which is not overdue. At present, most banks will provide cardholders with three-day service, which means that the repayment can be postponed appropriately, and the repayment date is 1-3 days. As long as the repayment is within the grace period, it is not overdue.
Credit cards can generally be overdue for several days.
What will happen if the credit card is overdue for 90 days?
1. Personal credit information leaves a stain record: credit cards that are overdue for more than 90 days will basically be blacklisted by banks, and then cardholders who want to apply for loans will basically be rejected.
2. Calculate the penalty interest: If the credit card is overdue for more than 90 days, the penalty interest will be very high. The overdue interest shall be charged at 0.5 ‰ per day, and the liquidated damages shall be charged at 5% of the unpaid portion per month. The longer the overdue period, the higher the penalty interest.
3. Being sued by the bank: If the credit card is overdue for more than 90 days and refuses to repay after two effective collections by the bank, the bank has the right to sue the cardholder, so if it refuses to perform after receiving the court judgment, it is likely to be judged as a untrustworthy person, which will affect its later travel and work.
Credit cards can generally be overdue for several days.
How to avoid overdue credit cards
1. Prepayment: If the cardholder uses a third-party platform for repayment, it is best to prepay, because there is a certain delay in the bank's account processing, which is likely to delay the arrival time.
2. Remember the serious consequences of overdue: the cardholder remembers the serious consequences of overdue, not only paying penalty interest, but also making a credit report, which may be prosecuted by the bank for a long time.
3. Apply for bill installment due to lack of funds: If the cardholder has temporary financial difficulties and can't pay off the bill of the current month immediately, he can choose to apply for bill installment, which can temporarily solve the financial pressure.
4. It is best to use mobile banking for repayment: At present, many mobile banks can not only repay credit cards, but also cross-bank repayment. There is no handling fee, which is very convenient and fast.