1. What are the consequences of overdue credit card complaints?
If you don't sue after the credit card expires, it will have the following consequences:
1. If it is enforced by the court, the bank account will be sealed up, the deposit in the account will be forcibly deducted, and the house and other property will be sealed up for auction.
2. If the court fails to achieve its goal through the above enforcement measures and blacklists friends, it will be impossible to fly or take the high-speed train in the future, and the loan will also be greatly affected.
3. May be fined or detained by the court.
4. In addition, there is the crime of refusing to execute the judgment or ruling stipulated in Article 3 13 of the Criminal Law, that is, "refusing to execute the judgment or ruling of the people's court, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or fine.
Second, what should I do if my credit card is overdue?
1. Continue to use the card and overwrite the previous overdue records with good repayment records.
After the credit card is overdue, a new credit record will be generated after 24 months, and the previous overdue record will be covered by a good repayment record, so that personal credit will not be affected after the record is refreshed.
2. Never ignore it.
If it is overdue for a long time, the credit card will generate interest and there will be a high late fee. If you ignore it, the bank will think that you are overdrawn maliciously and the bank will call the police.
3. After the deadline, it is best to repay in full, and explain the reasons.
Sometimes, due to carelessness, you forget to pay the loan. If it is found that it is overdue, it must be repaid in full as soon as possible, preferably in full, because calling the bank after full repayment shows that it is not a malicious debt request, and eliminating overdue records has the best chance of winning.
What are the consequences of being sued for failing to repay a credit card?
When the cardholder's credit card debt is higher than 50 thousand yuan and there is malicious overdraft, the cardholder may go to jail. But if the above conditions are not met, there are only three results.
1, the court ruled that the cardholder can only borrow money everywhere to repay the arrears, otherwise the bank will freeze the credit card in the cardholder's name and auction other assets to repay the arrears.
2. The court ordered the cardholder to repay the arrears, but the cardholder still could not repay. At this time, the court will negotiate the repayment agreement between the bank and the cardholder association, how much to pay each month, how many installments to pay, and so on.
3. After the judgment of the court, if the cardholder is still unable to repay the loan and unwilling to negotiate with the bank, the court will include the cardholder in the list of untrustworthy people and restrict all high-consumption behaviors of the cardholder afterwards.
After a credit card dispute, if it is overdue for a long time, such as more than three months, then the bank will bring a lawsuit to the people's court. If the parties are not satisfied with the court's decision, they can still appeal. If the appeal result comes out, it will have legal effect, and there will definitely be legal consequences, such as enforcement.