Will credit cards be prosecuted if they are overdue (will credit cards be prosecuted if they are overdue, Zhihu)

Yes, overdue credit cards may be prosecuted.

Detailed description:

1. Credit card overdue refers to the behavior that the cardholder fails to repay the credit card arrears on time.

2. Banks or credit card companies have the right to take legal measures to recover overdue payments. They can ask the cardholder to repay the overdue money by suing.

3. The prosecution result will depend on the specific circumstances, including the overdue amount, the cardholder's repayment ability and the bank's recovery decision. If the overdue amount is small, the bank can choose other ways to solve it, such as entrusting a third party to collect debts from the company.

4. If the cardholder is sued and loses, the court may order him to repay the arrears, which may have a negative impact on the credit history.

It is worth noting that banks or credit card companies usually remind cardholders to repay as soon as possible by phone, text message or email before the deadline. Cardholders should contact the bank in time to seek solutions such as repayment delay or installment payment.

Summary:

If the credit card is overdue, there is a risk of being sued. Banks or credit card companies can choose to sue cardholders and recover overdue payments. If sued and lost, the cardholder may need to repay the arrears and face the risk of damage to his credit history. Therefore, it is recommended that cardholders abide by the credit card repayment regulations and maintain a good credit record.

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