How many years has the credit union loan not expired?

If the bank fails to recover the loan within two years from the due date, the statute of limitations will be exceeded.

However, if the bank has been collecting money after the loan expires, there is no problem of exceeding the limitation of action.

Extended data:

Credit cooperative loans belong to loan contract disputes, and the statute of limitations of two years applies. That is, the bank fails to collect the loan within two years from the date of maturity, that is, the limitation of action is exceeded, and the court no longer supports its claim after prosecution. However, if the bank has been collecting money after the loan expires, there is no problem of exceeding the limitation of action.

In addition, it should be reminded that the bank has a special legal department, and all loans will be legally collected, which will not exceed the statute of limitations.

Credit card overdue

1.30 days, the customer service department of the credit card center will call and send a text message to repay the loan. In the past, if the credit card credit was good, this credit would not have a great impact.

2. For more than 30 days and less than 90 days, the collection department will remind you by phone, SMS and email, and the bank will inform you. At this time of repayment, the credit problem will have an impact, but after a period of time, if you have a good repayment record, there will be no problem, which will have a little impact on improving the credit limit.

3.90 days or more, to the legal department. In the early stage, it will usually be returned by lawyer's letter or telephone. Later, the preparation materials will be handed over to the investigation, or directly prosecuted, or handed over to the low-level tripartite company for home collection. Be sure to return it at this time, it will be more serious. As long as you pay back the money within three months, you won't be prosecuted.

4. Prosecution usually takes about 120 days. This time is very troublesome, and all the expenses of the bank are borne by you.

According to the provisions of China's criminal law, cardholders who overdraw beyond the prescribed time limit and are not returned after being collected by the issuing bank, cardholders who use forged credit cards, etc. , the amount is relatively large, can be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and impose a fine of not less than 20 thousand yuan but not more than 200 thousand yuan.

The provisions on statutory punishment in the specific provisions of China's criminal law include several different situations:

In the case of a crime with several sentencing ranges, the length of the limitation of prosecution should be determined according to the actual situation of the crime, that is, the statutory maximum penalty of the sentencing range should be used to determine the limitation of prosecution.

Circumstances that are not subject to the limitation of prosecution. According to the provisions of China's criminal law, if a people's procuratorate, public security organ or state security organ files a case for investigation or the people's court accepts a case, it is not limited by the time limit for prosecution. If the victim files a complaint within the time limit for prosecution, the people's court, the people's procuratorate or the public security organ shall file a case but not file it, and it is not limited by the time limit for prosecution.

Interruption of prescription. If a crime is committed within the time limit for prosecution, the time limit for prosecution of the former crime shall be counted from the date when the latter crime is committed. Under normal circumstances, the limitation period of prosecution is calculated from the date of the crime. However, if the crime continues or continues, the limitation period for prosecution shall be counted from the date when the crime ends. It is also necessary to confirm the highest criminal punishment according to the provisions of the Criminal Law of People's Republic of China (PRC).