What is the procedure for registering an overdue credit card?

If the credit card is overdue for three months or the credit card is still not repaid after two reminders from the bank, the bank will take action. The general credit card debt process is as follows:

1. First, after the bank has repeatedly called for payment, if the party still fails to repay, the bank will file a civil lawsuit;

2. If the civil case The applicable simplified procedure is three months and the ordinary procedure is six months.

3. If the party concerned still refuses to return the property after civil adjudication. The case may be transferred to the public security organs for investigation and formally established as a criminal case.

4. After the investigation by the public security organ was completed, the case was transferred to the procuratorate for public prosecution, accusing the party of malicious overdraft, which constituted a credit card crime.

Article 196 of my country's "Criminal Law" and relevant judicial interpretations stipulate that for the purpose of illegal possession, a credit card holder exceeds the prescribed limit or overdrafts within the prescribed period, and the card-issuing bank still fails to pay after collection. The act of returning the money is a malicious overdraft. If the amount is more than 10,000 yuan, it constitutes a credit card crime.

In summary, when using credit cards to consume, you must consume rationally and do not use your own credit. If the circumstances of malicious overdraft are serious, it may constitute a crime.

Extended information

Within one month overdue, the bank will usually notify you by text message or phone call, otherwise it will affect your personal credit report. When it is overdue for more than three months, collection efforts will be made The method will make you repay the loan, but it will also have a greater impact on your daily life. The bank will probably go to court through procedures, and then you will have to face the bank.

After the credit card is overdue, when the bank reports the case, it means that the bank has been completely disappointed with you, otherwise it will not easily accept the card holder. The so-called filing of a case means that the public security and judicial organs accept the bank report and investigate the case. , mainly to verify whether the case is true.