How to check whether the credit card is overdue and sued by the bank (how to check whether the credit card is overdue and sued by the bank)

First, how to check that the credit card is overdue an

How to check whether the credit card is overdue and sued by the bank (how to check whether the credit card is overdue and sued by the bank)

First, how to check that the credit card is overdue and sued by the bank?

1, check at the bank counter

If the credit card is overdue, the cardholder can check at the bank counter and bring his ID card. If the court has not filed a case, the cardholder should negotiate with the bank for repayment as soon as possible, and it is best to provide proof of non-malicious overdue.

2. Court investigation

If the credit card is sued for overdue, you can also go directly to the local court with your ID card information. Some criminals may send such short messages for fraudulent activities, and cardholders must check and verify by themselves. If it is really prosecuted, the cardholder should be subject to the court summons.

2. What if the credit card is sued for overdue?

1. Pay off the debt immediately.

If the credit card is sued for overdue, we should pay off the debt as soon as we can. If you can't pay it all off, it is recommended to find relatives and friends to turn around, and then try to pay off the debts owed by relatives and friends to avoid the consequences of being sued.

2. Negotiate repayment

If the credit card is sued for overdue, we still have the opportunity to negotiate repayment with the bank. Once we receive the notice of bank prosecution, how much ability should we have to repay, and then contact the bank to inform us of the current economic situation and declare that we are not maliciously overdue. At present, I want to repay through negotiation. But if the court has filed a case, we can only actively respond.

3. What will happen if the credit card is overdue?

1, and high interest will be charged if it is overdue.

Users usually have an interest-free repayment period ranging from more than 20 days to more than 50 days after using credit cards to overdraw. If the cardholder fails to repay the overdraft in full during this interest-free repayment period, all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the circulating daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18%.

2. There will be a credit card late fee.

Credit card late fee refers to the fee that the cardholder should pay to the issuing bank according to the regulations when the repayment date is not due or the repayment amount is lower than the minimum repayment amount. At present, most banks, such as China Merchants Bank, China Construction Bank, ICBC, Shenzhen Development Bank, etc., have a standard for late payment fees, which is 5% of the unpaid part of the minimum repayment amount. The minimum late payment fee for the dragon card of China Construction Bank is 5 yuan RMB, and the minimum late payment fee for the dual-currency credit card of China Merchants Bank is 10 yuan RMB or 1 USD.

3. Bad credit records will be generated.

Credit card users' overdue repayment will be recorded in bad credit records, and the basic database of personal credit information has been networked nationwide. As long as individual residents have handled loan business in banks, applied for credit cards, or provided guarantees for others, credit reports can be found in any domestic commercial bank. For customers with bad records, BOC will be cautious when handling loans in the future, and may require customers to provide mortgages and guarantees, which may reduce the loan amount, raise the loan interest rate or even refuse loans. On the contrary, if there is a good record in the credit report, it is possible to enjoy preferential treatment in the amount and interest rate in the future credit business.

4. Time and duration may lead to litigation costs.

If the cardholder fails to repay after 2 months of overdraft, the bank will call to remind the user to repay. If the repayment is not made, the bank will find a lawyer to send a lawyer's letter to the user. If the user overdraws 180 days and still refuses to repay, the bank will bring a lawsuit to the court, and the losing party will bear the litigation costs of the case. Generally, the bank wins the case and requires the user to repay, so this part of the cost will be borne by the user.

5. Malicious overdraft requires criminal responsibility.

According to article 196 of China's Criminal Law and related judicial interpretations, malicious overdraft 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; Malicious overdraft for credit card fraud, a large amount of credit card fraud will be investigated for criminal responsibility.

If the credit card is overdue for a long time, it can be resolved through litigation. If the debtor wants to inquire whether he has been sued, he can go directly to the bank to inquire. If it is determined that he is overdue, he can negotiate with the bank to try to pay by installment or extend the bill date. As long as the negotiation is good, he can also reach the opportunity for the bank to withdraw the lawsuit.