The bank may forget it, but the bank’s system will definitely not forget it. You owe 150,000 yuan on your credit card (debit card), and you haven’t paid back a penny in three years. I I feel that no bank is so big-hearted as to leave 150,000 yuan in bad debts alone.

In the first case, you have changed all your contact information and the bank cannot contact you.

Under normal circumstances, if your credit card (debit card) is overdue beyond the grace period, the bank will notify you by text message to repay it as soon as possible; if it is overdue for one to three months, the bank will notify you by text message and phone call. Collection is the main thing; if the bad debt is overdue for three to six months, the bank will entrust the bad debt to a third party for collection. The third-party collection company will contact you through various means and ask you to repay it as soon as possible; if you have a credit card (Credit card) If it is overdue for more than 6 months, the bank will definitely sue you to court for your 150,000 arrears.

But whether it is text message collection, phone collection or letter collection, as well as the summons sent by the bank to the court, they are all based on the phone number you provided when you applied for a credit card (debit card). and residential address shall prevail. If the bank cannot contact you personally, they will also contact other contacts you left when you applied for a credit card (debit card). If other contacts do not know your whereabouts, the bank will not be able to find you.

But the fact that the bank cannot find you personally does not mean that the bank has not found you. In fact, after your credit card (debit card) becomes overdue, the bank will definitely take the arrears of 150,000 very seriously. , and the frequency of collection is relatively more frequent than that of small-amount credit card (debit card) debts. It's just that the bank can't contact you personally, so the bank can only give up.

In the second case, someone helps you pay back the money.

As we mentioned earlier, if the bank cannot contact you personally, the bank will contact them according to the contact person you provided when you applied for a credit card (debit card). If you leave the contact information of your relatives and friends when you apply for a credit card (debit card), then after the bank cannot contact you personally, their collection team may pass the credit card (debit card) message to your relatives and friends. ), and then ask them to repay the debt on their behalf. As for whether this is the real situation, you have to contact your relatives and friends to find out.

In the third case, the bank sues you to court, but you fail to respond. In the end, the court makes a default judgment, and you are included in the list of dishonest persons subject to execution.

Just because the bank cannot contact you does not mean that the bank cannot sue you. If you do not repay your credit card for more than 6 months, the bank may sue you to court. If you do not go to court to respond after the court sends you a summons, the court can make a decision. Judgment by default. The court's judgment will also be sent to you according to the address you provided when applying for a credit card (debit card). If you have changed your address and cannot receive it normally, the court may send you the judgment after the effective execution time of the judgment has expired. Be included in the list of dishonest persons subject to execution, and at the same time, the bank's prosecution will be finalized.

However, the final lawsuit by the bank does not mean that the case is completely over. If the bank can contact you in the future, the case can still be restarted at any time, so you still need to implement the court's judgment.

Of course, another possibility is that after you owe 150,000 yuan on a credit card (debit card), the bank cannot contact you if you do not repay it for a long time. Then this may constitute a credit card (debit card). Card) malicious overdraft. Once the court determines that you have malicious overdraft with a credit card (credit card), it may constitute a crime of credit card (debit card) fraud, and credit card (debit card) fraud is punishable by jail time. Maybe you Now you have become a wanted criminal, but you are hiding too deeply and the court or the police cannot contact you.

Earlier we listed several reasons why the bank will not contact you if you owe 150,000 yuan on your credit card (debit card), but no matter what the reason is, unless someone else helps you repay the loan, In addition, the remaining situations are very unfavorable to you. On the one hand, the amount you owe now is not a small amount. The longer you are overdue, the greater the amount you owe, including credit card (debit card) penalties, interest, liquidated damages and other fees, which are a large sum.

So the most important thing you should do now is to print out your personal credit report to understand the specific situation. The personal credit report will contain credit card (credit card) overdue information and court information. Execution information. If someone has helped you repay your debt, then the current status of your credit card (debit card) is normal. If no one has helped you repay, then your money must have been overdue. There is also a high possibility that the court will record the person being executed as a breach of trust.

If you have not paid back the 150,000 yuan, then I suggest you pay it off as soon as possible. After all, the debt of 150,000 yuan is not a small amount. This debt has already reached The threshold for credit card fraud is very detrimental to you if you fail to repay for a long time.