The credit card has been overdue for three months in a row, and no short message has been received from the bank. Can it be modified?

Credit cards that have not received bank dunning messages for three consecutive months can be modified.

The main consequence of credit card failure is: 1, which will generate high overdue interest.

2. Will be sued by the bank to the court, resulting in legal fees, attorney fees and other economic losses.

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

4. The amount owed is more than 6,543,800 yuan, which constitutes the crime of credit card fraud and should be investigated for criminal responsibility.

Article 196 of the Criminal Law commits the crime of credit card fraud under any of the following circumstances, and 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.