China merchants credit card sends text messages to lawyers.

If the arrears are true, it is recommended to repay them in time. If you are temporarily unable to repay, you can negotiate with creditors to repay. In this case, you can contact the bank. If a bank brings a civil lawsuit to the court, the court shall decide whether to accept it within 7 days from the date of receiving the litigation materials. Civil prosecution will not arrest anyone.

If the amount owed reaches 1000 yuan, and it is still not returned for more than 3 months after being collected by the bank twice, it constitutes the crime of credit card fraud and should bear criminal responsibility. After the public security organ files a case for investigation, it is possible to arrest people. It takes about four months for the general procuratorate to file a public prosecution with the court.

Extended data

Overdue accounts exceeding M4 period are called M4+. In this case, most accounts can't contact the cardholder at all, or there are fake or stolen cards, or the cardholder dies or is unable to repay! Part of this stage is that the overdue amount is too small, but the amount will be accumulated for a period of time and the bank will sue again.

The other part is suspected of a large amount (generally referring to the principal of more than 10 thousand yuan), and the attitude of not repaying is clear in telephone collection. Banks or authorized customers will take the relevant information as evidence and deal with it according to the circumstances according to Article 196 of China's Criminal Law. In some cases, it will choose to report the case to the economic investigation department of the public security organ and publish it to the media in open court to warn other overdue customers who intentionally breach the contract!

Baidu Encyclopedia-Credit Card Collection