Will credit card overdue bad debts be prosecuted? Will the overdue bad debts of credit cards be prosecuted, Zhihu?

1. Will the overdue bad debts of credit cards be prosecuted?

Whether bad

Will credit card overdue bad debts be prosecuted? Will the overdue bad debts of credit cards be prosecuted, Zhihu?

1. Will the overdue bad debts of credit cards be prosecuted?

Whether bad debts will be prosecuted depends mainly on the reasons for bad debts.

For example, credit card bad debts, if bad debts are caused by overpayment, banks will not sue. Bad debts are overdue. If the overdue time is long and the overdue amount is large, there is indeed the possibility of being sued by the bank.

It is also possible to be sued for non-performing loans, because the loans are to be repaid and there is no need to bear corresponding legal responsibilities.

When using credit cards or loans, we should also pay special attention to avoid bad debts and form a good habit of repaying on time. After all, if bad debts are formed, it will have a very bad influence on personal credit. Serious people will be blacklisted, and may even be listed as untrustworthy by the court, which is likely to affect their normal life and travel.

2. Will the overdue credit card be sued by the bank?

1. If the credit card is not returned, the bank will usually sue.

2. However, there are preconditions. Generally, if it is overdue for more than three months, the proceedings can only be taken directly when the corresponding amount is reached. As long as it reaches a certain amount, it can be considered a crime.

3. What happens when a credit card is sued for overdue?

1, continuous dunning by the bank

(1) When the borrower's repayment is overdue, the customer service center of the bank credit card will call several times first;

(2) If the payment is still unpaid, the bank will entrust a third party to collect it, usually through continuous telephone calls, text messages or even door-to-door collection;

(3) After repeated dunning, the bank will sue to the court.

2. Being sued by the bank, unable to apply for a loan.

Cardholders will be added to the credit blacklist and cannot apply for loans. The court will collect the loan. After receiving the court summons, after investigation and persuasion, urge the cardholder to repay. However, if the cardholder refuses to repay, the court can take enforcement. Subsequently, the court will realize the cardholder's assets to repay the card debt and freeze the related property.

3. Malicious breach of contract, facing jail and fines.

(1) A credit card overdue for three months can be regarded as a malicious overdraft penalty, but if you communicate with the bank in advance to prove your repayment ability and repayment plan, you will generally not face criminal responsibility.

(2) However, the cardholder who refuses to return the card after the court's judgment may face the consequences of three years' imprisonment and a fine if the circumstances are serious, especially if the circumstances are serious, he will face a longer imprisonment of three to seven years and pay a fine.

Don't think that you don't have to worry about credit cards becoming bad debts after they are overdue. In fact, the bank will try to accept it. If the cardholder can't be contacted, if the overdue amount is relatively high, he may still choose to sue. At that time, you not only need to repay the overdue situation, but also bear the corresponding legal fees, and your credit information is also in a bad state.