1. Should Citibank go to jail if its credit card is overdue?

After the bank files a lawsuit, the court will decide according to law. If the bank files a criminal lawsuit and you maliciously overdraw a certain amount, you are likely to go to jail.

Article 6 of the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management stipulates that if a 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 two effective collections by the issuing bank, it shall be deemed as malicious overdraft as stipulated in Article 196 of the Criminal Law.

Criminal responsibility should be investigated for malicious overdraft, but if the people's court has repaid all overdraft interest after the public security organ files a case and before the judgment is announced, it can be given a lighter punishment, and if the circumstances are minor, it can be exempted from punishment. The amount of malicious overdraft is large, and the public security organ has repaid all overdraft interest before filing the case. If the circumstances are obviously minor, criminal responsibility may not be investigated according to law.

2. What are the remedies for Citibank's three-month overdue credit card?

It's best to keep using this card.

After the deadline, the best way is to continue to use this card and overwrite the original negative record with the new normal repayment record. Generally, a new credit record will be generated after 24 months, and personal credit will not be affected after refreshing.

Never run away.

If it is overdue for a long time, the credit card will be profitable and the late payment fee will be high. If you run away, the bank will think you overdraw maliciously and call the police.

(3) unable to repay the request in a timely manner.

If you can't repay on time due to unemployment or illness, state your financial situation and declare that you have no malice before the deadline for repayment, and you can apply for deferred repayment and interest concessions.

(4) It is best to repay in full and explain the reasons.

If you forget to pay back because of your usual carelessness, you must pay back in full as soon as possible after the overdue period, and it is best to pay back in full, because calling the bank to explain after the full repayment is not the most likely malicious debt to eliminate the overdue record.

3. What are the main overdue collection methods of Citibank credit cards?

First, short message collection

Mainly for the early cardholder's overdue repayment behavior, usually 7- 15 days overdue. SMS mainly plays the role of reminder.

Second, telephone collection

Telephone reminder repayment is mainly aimed at overdue behavior of more than 30 days and more than one billing cycle.

Third, on-site collection

If it is overdue for more than 90 days, the bank will arrange for the collection personnel to come to the cardholder's residence or work address to collect the repayment.

Fourth, the court sued.

The bank will apply to the court for more than half a year overdue and ask the cardholder to sue for repayment.

Fifth, outsourcing collection.

Mainly for those overdue for more than one year, the bank will package and discount the overdue funds to the outsourcing collection company, which will be responsible for collecting overdue debts.

It should be noted that the preferential recovery activities of banks are generally aimed at penalty interest, and the principal is generally not enjoyed. For example, Minsheng Bank's way of encouraging interest-subsidized repayment last year is also a disguised collection strategy, which is mainly aimed at cardholders who have overdue penalty interest for more than one year. Banks reduce penalty interest, encourage cardholders to repay as soon as possible, and ensure the safety of bank principal. Short-term overdue cardholders generally cannot enjoy this policy.

Don't panic if the arrears are overdue. Legal aid will be used to negotiate, and professional team lawyers will plan the repayment plan for you.