Under normal circumstances, within three months after the credit card is overdue, the issuing bank will initiate two effective reminders. If the cardholder refuses to pay back the money within the reminder period of the issuing bank, the issuing bank will sue the cardholder. When the cardholder reports the loss, he cannot take the high-speed train.

You can't take the high-speed train after the credit card is overdue because the cardholder is on the list of untrustworthy people. You can only take the high-speed train if the issuing bank sues the cardholder, and the cardholder is declared to have reported the loss by the court and needs to solve the debt problem. The overdue credit card is not the main factor that determines that cardholders cannot take the high-speed rail.

Under normal circumstances, although the credit card will leave a bad credit record on the personal credit report, it will not affect people's travel, so it is natural to take the high-speed rail. However, if the credit card is overdue for so long, it is sued by the bank and enforced by the court, and the cardholder still refuses to repay, it is likely to be included in the list of untrustworthy people by the court. Once you enter the list of untrustworthy people, your usual travel will be affected. If you can't buy a ticket, you naturally can't take the high-speed train.

legal ground

Provisions of the Supreme People's Court Municipality on Restricting the High Consumption and Related Consumption of the Executed Person

Article 3 If the person subjected to execution is a natural person, he shall not engage in the following high-consumption and unnecessary consumption behaviors after taking measures to restrict consumption:

(a) when taking the means of transportation, choose the second class or above of the plane, train soft sleeper and ship;

(two) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level;

(three) the purchase of real estate or new construction, expansion, high-grade decoration of housing;

(four) leasing high-grade office buildings, hotels, apartments and other places to work;

(5) Purchasing non-essential vehicles;

(6) tourism and vacation;

(seven) children attending private schools with high fees;

(8) Paying high premiums to purchase insurance wealth management products;

(9) Non-essential consumption behaviors such as taking all seats of G-prefix EMU trains and first-class and above seats of other EMU trains.

If the person subjected to execution is a unit, the person subjected to execution, its legal representative, principal responsible person, person directly responsible for debt performance and actual controller shall not carry out the acts specified in the preceding paragraph after taking measures to restrict consumption. Anyone who uses personal property for private consumption to commit the acts mentioned in the preceding paragraph may apply to the enforcement court for enforcement. If the examination by the enforcement court is true, it shall be allowed.