Users can also log in to the certificate online banking through the online banking channel, select Customer Service-cardholder information query and modification, and modify the mobile phone.
Users can also go to the counter of CITIC Bank outlets to make changes. Users need to bring their valid personal identity documents, CITIC Bank credit cards and mobile phones, and fill in the application materials at the counter before making changes.
Under normal circumstances, those who refuse to return it twice after three months' overdue may be prosecuted. If you have difficulty in repayment, you can use the minimum repayment amount first. Although the minimum repayment will charge a certain amount of interest, it will not sue you, and then pay it off in full when you have money. If you usually have a good habit of using the card, then the time will be longer; If you are not used to using cards at ordinary times and often overdue, then the time will be shorter.
1, overdue time When the cardholder's credit card is overdue for more than 3 months, the bank may start preparing to sue the cardholder. Generally speaking, after the cardholder's credit card is overdue, in the first three months, the bank collection staff will remind the cardholder to repay by SMS, telephone, etc. After more than three months, the bank is likely to start preparing for the lawsuit.
2. Overdue amount No matter how overdue the cardholder's credit card is, the bank has the right to sue the cardholder. However, when the cardholder's overdue amount exceeds 50,000 yuan, it reaches the standard of overdue sentencing for credit cards. In other words, the overdue amount of the cardholder does not exceed 50,000 yuan, and the bank prosecution is basically a civil lawsuit. If it exceeds 50,000 yuan, most bank prosecutions are criminal proceedings.
3. Legal Basis According to the regulations, if 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 repeated collection by the issuing bank, it shall be deemed as malicious overdraft as stipulated in Article 196 of the Criminal Law. Generally speaking, the cardholder's credit card is overdue for more than 3 months, and the bank has the right to sue the cardholder after more than 2 effective collections. If the cardholder loses contact during the collection process or has a bad repayment attitude, it is very likely that the bank will directly file criminal proceedings against the cardholder.
At present, the banks that can be suspended by negotiation in stages are: China Merchants Bank, Shanghai Pudong Development Bank, Industrial Bank, Bank of Communications, China Guangfa Bank, China CITIC Bank, Ping An Bank, Minsheng Bank, China Construction Bank and Industrial and Commercial Bank.
The installment repayment plan of each bank: _ _ Shanghai Pudong Development Bank: 6-60 installments will be stopped, and most of them will be exempted, especially the universal fund account. Industrial Bank: Stop payment in 6-60 installments, and the installment plan can be made according to everyone's situation. Bank of Communications: Stop payment in 6-60 installments, with small amount and multiple installments, which has always been a traffic feature. You can repay China Merchants Bank below 1 0,000 per month. Finally, friends who are deeply overdue must not break the jar, which will not only be good for themselves in the future, but also have an impact on their families, friends around them and even their next generation. Stop the incident in time when it has not escalated into a judicial incident and find a reasonable solution.