I owe CCB credit card more than 4000 yuan. Now I'm calling to say that the court is handling it, and told me to go to the court to handle it. What should I do?

According to what you said, it is obvious that the bank is collecting money, but if the amount you owe is not large, the bank just wants to scare you by collecting money from those people. But pay it back if you can. If you can't afford it, wait until you have money.

If the court wants to inform the people at the time of the case, it will usually issue a subpoena. Without a subpoena, I can't go to the court in person.

First of all, the bank will charge interest on overdue repayment, with a daily interest rate of 0.5 ‰. Interest is calculated from the date of consumption, not from the day after the last repayment date. Calculate compound interest on a monthly basis, and the principal calculated by interest is the sum of the consumption funds of that month.

Consequences of overdue:

1. Late repayment will affect your personal credit.

2. It will also affect your future loan to buy a house and a car, and it may not be easy to get a loan.

3. And your overdue record will leave a record in the bank, which will have a certain impact on your personal credit record.

Finally, it is suggested that if you have no money to repay all the money, you can repay it according to the maximum repayment amount to avoid overdue.

Second, in principle, as long as a credit card is overdue once, it will produce a bad credit record. No matter how long it is overdue, it will be recorded in the personal credit information system under the central bank.

Credit card overdue refers to the failure to pay the minimum repayment amount shown on the bank bill before the due repayment date, which not only requires the payment of interest and late fees, but also affects personal credit records.

Generally speaking, the personal credit report provided by the central bank only gives the cardholder's credit card use record for nearly 24 months; Therefore, credit card overdue records before 24 months will not be displayed in personal credit report, but it will take 5 years to completely eliminate credit records. Article 196 of China's Criminal Law and related judicial interpretations stipulate that if a credit card holder 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, it is a malicious overdraft. If the amount is more than 5000 yuan, it constitutes the crime of credit card fraud.