2. Negative information such as overdue repayment is not always recorded in personal credit report. At present, China's credit record has been maintained for five years. After paying off the credit card debt, anyone can start building a credit record again and start again.
3. Whether it constitutes a criminal offence and whether you will go to jail depends not only on the time of arrears, but also on the principal amount of credit card arrears.
4. If the amount of principal owed reaches 1 10,000 yuan or more, and it has not been returned for more than 3 months after being collected twice by the issuing bank, it shall be deemed as "malicious overdraft" in the criminal law and suspected of credit card fraud. According to the law, he 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.
5. If the amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law. Extended data:
Overdue repayment refers to the situation that the final repayment period stipulated by the bank is exceeded and the consumption money is not deposited in the designated account in full and on time. Overdue interest will be generated, which will affect the credit information, and in serious cases, it will be prosecuted by the court and imprisoned. Generally speaking, every bank will charge a certain interest for overdue repayment, which is different from each bank, and is generally five ten thousandths of the interest. However, the value date should be calculated from the date of consumption, not from the day after the last repayment date. It is suggested that if the total amount is not repaid, the minimum repayment amount can be repaid first, without affecting the credit line. At the same time, there will be a buffer period, so that the bank can know the flow of funds in your account in time and will not freeze the account.
Installment payment is mostly used for some product transactions with long production cycle and high cost. Such as the export of complete sets of equipment, large vehicles and heavy machinery and equipment. Installment payment means that after the import and export contract is signed, the importer pays a small part of the payment to the exporter as a down payment, and most of the rest is paid in installments after part or all of the products are produced and shipped, or after the goods are installed, debugged, invested and guaranteed.
The buyer and the seller sign a contract at the time of transaction, and the buyer pays the goods and services to the seller in installments within a certain period of time. The date and amount of each payment are stated in the contract in advance.
Bank loan refers to an economic behavior that an individual or enterprise issues a loan to a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit.