After negotiating with the bank’s credit card department to repay the overdue credit card of Pudong Development Bank, the collector still called me and asked me to go with him to the Public Security B

After negotiating with the bank’s credit card department to repay the overdue credit card of Pudong Development Bank, the collector still called me and asked me to go with him to the Public Security Bureau to report the crime?

It is illegal for bank departments to collect and harass credit cards, which usually must be repaid in accordance with bank regulations. If the credit card debt is not repaid, the consequences are as follows:

1. It will cause high amount of overdue interest.

2. The bank will sue you in court, which will incur economic losses such as litigation costs and attorney fees.

3. Individuals will have bad credit records, which will have an impact on future bank cards and loans.

4. If the amount owed exceeds 10,000 yuan, it constitutes a crime of credit card fraud and will be held criminally responsible. "Criminal Law" Article 196 The crime of credit card fraud falls under any of the following circumstances. If the amount is relatively large, the person 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 a fine of 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 sentenced to fixed-term imprisonment of not less than five years but not more than ten years. Or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property.

5. Collection harassment is illegal. According to Article 42 of the "Public Security Administration Punishment Law", sending insults or other messages multiple times (three or more times) to interfere with the normal life of others violates the above provisions. , the victim can report the crime and request the police to impose public security administrative penalties on the perpetrator. You may be detained for not more than five days or fined not more than five hundred yuan; if the circumstances are more serious, you may be detained for not less than five days but not more than ten days, and you may also be fined not more than five hundred yuan. However, if you do not have relevant evidence such as phone recordings and text message content, the police will not The case has been filed.

1. How to calculate overdue interest on credit cards? Your interest is calculated at 0.05%. The interest is calculated from the date of consumption, and you also need to pay late fees. When paying the minimum repayment amount, the daily interest rate is calculated at 0.05%, and there is no late payment fee.

2. What to do if your credit card is overdue? The first thing to do is to call customer service as soon as possible to negotiate for a deferment of repayment. Generally, banks allow cardholders to call to apply for a deferment of repayment, and the deferment period is usually one week. So, as long as you pay the money back within the deferment period, you can avoid paying late fees.

3. You have to pay the minimum repayment amount first. Each bank will set a minimum repayment amount for credit card holders. As long as the cardholder can repay this minimum amount, then the bank will neither Late payment fees will be charged but will not affect the cardholder's personal credit.