How long will the overdue credit card be taken home?

If the credit card is overdue for 90 days, the bank will arrange the collection staff to collect the repayment at the cardholder's residence or work address. If the circumstances are serious, it is a malicious overdraft and may constitute a crime of credit card fraud. If the amount is relatively large, 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.

Credit card overdue collection process

The first stage: SMS collection

When your credit card has just expired, the bank will generally send a text message to remind you to repay it as soon as possible.

The second stage: telephone collection

When your credit card is overdue for about one month, the bank will call to collect it and arrange for the customer service staff to call to urge you to repay it.

The third stage: letter collection

If the credit card is overdue, the bank will send a letter to collect it. Generally one or two months overdue, the bank will send a lawyer's letter to remind you to repay as soon as possible.

The fourth stage: the third party company collects money.

If the credit card is overdue for more than 90 days, the bank will arrange a third-party collection company to urge you to repay, and the collection staff of the third-party collection company often have a bad attitude and there is the possibility of door-to-door collection.

The fifth stage: suing the court.

If the credit card is overdue for more than three months, the bank can sue. If the bank fails to collect money many times, or the cardholder loses contact, the bank will bring a lawsuit to the court and let you repay the money through legal channels.

How to face overdue collection of credit cards

1. When you receive a call for collection, don't panic and be afraid, and keep a good attitude. If you always refuse to answer the collection call, or verbally attack the collection staff, it is easy to be characterized as malicious breach of contract, which is very bad.

2. Be sure to actively explain your difficulties and show the other party that you are willing to repay, which will greatly reduce the risk of being sued. Don't be angered by the collection in a few words and say, "What can I do if I don't?"

Don't threaten to call your parents or come to your home if you don't pay them back, but promise to pay them off in a few days, which will only increase the frequency of collection for yourself.

4. Tell him that he is recording the assembly of violating threats and intimidation. If he is prosecuted, it can be used as evidence for communication.

This law is based on article 196 of the Criminal Code of People's Republic of China (PRC).

Whoever commits credit card fraud in any of the following circumstances, if the amount is relatively large, 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:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.