But no, still no. If you don't believe it, it will become a blacklist, you can't borrow money in the future, and you may even go to court.
Please contact the bank actively.
Identify the reasons why you can't repay on time.
Make repayment plan and negotiate repayment.
No, it's normal. Everyone sometimes has a cash flow problem, but the nature of not paying back will change!
Will you go to jail if your credit card overdraws 10 thousand for three months? China merchants credit card owes 10 thousand for three months Will you go to jail? If you use China Merchants Credit Card, please repay in full and on time before the due date. First of all, overdue will produce bad credit records, which will affect your personal credit and future credit business, such as loans; Secondly, overdue repayment will generate interest and late fees; Finally, we may not violate the criminal law for a long time, and we reserve the right to prosecute.
Will Pufa Credit Card be sued for overdrawing more than 10,000 yuan? It's not cost-effective to leave a record of such a small sum of money overdue for two months. If you apply for a card in the future, there will be problems with bank loans. If my answer is helpful to you, please adopt it! If the answer is not clear, please continue to ask questions or send private messages!
If you owe more than 10,000 yuan on your credit card, knowing that you can't repay it, maliciously overdraw your credit card 1000 yuan or more, and fail to return it for more than three months after twice collection by the bank, it will constitute the crime of credit card fraud, and you will be sentenced (imprisoned). Will you go to jail?
According to the law, a person who maliciously overdraws a credit card 1 10,000 yuan or more shall be deemed as a "large amount" as stipulated in Article 196 of the Criminal Law, and shall be sentenced to fixed-term imprisonment of 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 public security organ has repaid the overdraft interest in full before the announcement of the judgment of the people's court after filing the case, it may be given a lighter punishment, and if the circumstances are minor, it may be exempted from punishment.
Legal basis:
1. Article 196 of the Criminal Law commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of 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 there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of 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 especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;
(2) Using an invalid credit card;
(3) Fraudulent use of another person's credit card;
(4) malicious overdraft.
The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.
Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.
Two. Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management (Fa Shi [2009]19);
Article 6 If a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than three months after being repeatedly urged by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.
In any of the following circumstances, it shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196th of the Criminal Law:
(a) knowing that there is no repayment ability and a large amount of overdraft can not be returned;
(two) squandering overdraft funds, unable to return;
(3) Escaping after overdraft, changing contact information and avoiding bank collection;
(4) evading or transferring funds, concealing property or evading repayment;
(five) the use of overdraft funds for illegal and criminal activities;
(six) other acts of illegal possession of funds and refusal to return them.
Malicious overdraft, the amount of which is more than 6,543.8+0,000 yuan but less than 6,543.8+0,000 yuan, shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 654.38+10,000 yuan and less than 1 10,000 yuan, it shall be deemed as "huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 6,543.8+0,000 yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.
The amount of malicious overdraft refers to the amount that the cardholder refuses to return or has not returned under the conditions stipulated in the first paragraph. Does not include compound interest, late fees, handling fees and other fees charged by the issuing bank.
Malicious overdraft should be investigated for criminal responsibility. However, if all the overdraft interest has been repaid after the public security organ files the case but before the announcement of the judgment of the people's court, the punishment may be given a lighter punishment, and if the circumstances are minor, the punishment may be exempted. If the amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files a case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law.
Strictly speaking, it will
More than 5000 will do, and it's not worth the fine.
Hello, will I go to jail if my credit card is overdue If you don't pay the arrears, it's just a civil dispute. After being sued by the bank, the following may happen:
1. After the bank wins the case, if it fails to perform the court judgment within the performance period, it may apply to the court for enforcement.
3. When the court accepts enforcement, it will inquire about the real estate, vehicles, securities and deposits in your name according to law.
4. In addition, if you have no executable property in your name and refuse to perform the effective judgment of the court, your personal credit report will have negative information such as overdue payment, and will be restricted from high consumption and entry and exit, and may even be judicial custody.
5. Refusing to execute a judgment or ruling is suspected of refusing to execute a judgment or ruling.
6. Article 313 of the Criminal Law The crime of refusing to execute a judgment or written order. If the circumstances are serious, those who refuse to execute a judgment or written order shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine.
Will you go to jail if you owe more than 10 thousand on your credit card? Owe 1 10,000 is not too much. I have a buddy who has owed 50,000 credit cards and is not in jail. I suggest replacing them as soon as possible. You know the bank.
The credit card is overdue for more than ten thousand months. Pay attention to the overdue credit card. If it is overdue once, as long as it is repaid in time, it will have little impact on the loan. A total of 13 cases will leave a bad record in the eyes of banks and affect loans:
1. The credit card has been overdue for three consecutive times, totaling six times.
2. The monthly payment is overdue or overdue for 2 to 3 months.
3. The monthly payment of the car loan is overdue for 2 to 3 months or has not been returned.
4. If the loan interest rate increases, the "monthly payment" will still be paid according to the original amount, resulting in overdue interest.
5. Water, electricity and gas charges are not paid on time.
6. Personal credit card cashing.
7. The student loan is in arrears.
8. If the "Sleep Credit Card" is not activated, there will still be an annual fee. If you don't pay, you will have a negative credit record.
9. Credit card overdrafts and mortgage loans are not repaid on time.
10. When providing a guarantee for a third party, the third party fails to repay the loan on time.
1 1, personal credit reports will also record some court economic judgments. Therefore, economic disputes such as debt will also affect credit records.
12. Mobile phone charges are linked to bank card charges. Failing to go through the relevant procedures after the mobile phone is stopped, it will be overdue due to insufficient monthly fee, and it will also cause bad records;
13. Credit card arrears records are generated by others with their own ID cards or copies of their ID cards.
The above-mentioned 13 situation will lead to the borrower's bad personal credit record, and the serious situation will enter the "blacklist" of the bank. In addition, if the borrower's loan repayment is overdue or the credit card repayment is overdue, the bank will also analyze whether this overdue is accidental. If it is sporadic and the time is not long, the bank will still give preferential treatment. But in some cases, overdue for more than three times will affect the loan. bale