1. I owe the bank 10,000 yuan on my credit card. What will happen if I don’t pay for it in three months? How much is the interest?

Hurry up and repay!

For overdue payments, not only will there be a late payment penalty of 5% of the minimum unpaid portion (minimum 10 yuan), but also a penalty interest on the full amount of the bill (a daily interest rate of 0.5%, the interest will be calculated starting from the day of consumption, and the interest will be accrued monthly until Until the principal and interest are paid off), it will also produce a bad credit record in the Credit Reference Center of the People's Bank of China, which will affect your application for credit cards and bank loans within 2 years.

If you are overdue for more than three months or fail to repay more than two bank reminders, the bank will freeze your card and list you as a prohibited customer (blacklist). At the same time, your credit card may also be blocked. and malicious overdraft, enforcement. If you later refuse to repay and the amount you owe exceeds RMB 10,000, you will be sentenced according to Article 196 of the Criminal Law: Credit Card Crimes!

Article 196 of the Criminal Law stipulates that anyone who engages in credit card activities under one of the following circumstances and the amount is relatively large shall be sentenced to not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge; Or if there are other serious circumstances, he shall be sentenced to not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, he shall be fined not less than 5 years but not more than 10 years, but also shall be fined not less than 50,000 yuan but not more than 500,000 yuan. A fine of not less than RMB 500,000 but not more than RMB 500,000 or confiscation of property may be imposed:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

(2) Using Capped credit cards;

(3) Pretending to use other people’s credit cards;

(4) Malicious overdrafts.

A malicious overdraft refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and still refuses to return the card after being called upon by the card-issuing bank.

2. What will happen if the bank loan exceeds 10,000 yuan?

No, the debt will become more and more, and in serious cases, the company will be sued in court