Pufa has negotiated and overdue the SMS.

It is illegal for the banking department to collect harassment. Credit cards usually have to be repaid in accordance with bank regulations. If the credit card is not repaid, the consequences are as follows:

1 will generate high overdue interest.

2. Will be sued by the bank to the court, resulting in legal fees, attorney fees and other economic losses.

3. Individuals will have bad credit records, which will have an impact on future bank cards and loans.

4. The amount owed is more than 6,543,800 yuan, which constitutes the crime of credit card fraud and should be investigated for criminal responsibility. Article 196 of the Criminal Law commits the crime of credit card fraud under any of the following circumstances, and if the amount is relatively large, it 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.

It is illegal to collect harassment. According to Article 42 of the Law on Public Security Administration Punishment, it is illegal to send insults or other information for many times (more than three times) to interfere with the normal life of others. If the act violates the above provisions, the victim can report the case and ask the police to impose administrative punishment on the perpetrator. Be detained for not more than five days or fined not more than five hundred yuan; If the circumstances are serious, they shall be detained for not less than five days but not more than ten days, and may also be fined not more than 500 yuan. But if you don't have relevant evidence, such as telephone recording, the police won't file a case for the content of the message.

1, usually how to calculate the overdue interest of credit cards? Your interest is calculated at 0.05%, starting from the consumption date, and there is also a late payment fee. When paying the minimum repayment amount, there is no late payment fee if it needs to be calculated at 0.05% of the daily interest.

2. What if the credit card is overdue? The first thing to do is to call customer service as soon as possible to negotiate an extension of repayment. Banks generally allow cardholders to call to apply for deferred repayment, and the extension period is generally one week. So as long as you pay back the money within the extension period, you can avoid paying late fees.

You have to pay the minimum repayment first. Every bank will set a minimum repayment amount for credit card holders. As long as the cardholder can repay this minimum amount, the bank will neither charge late fees nor affect the cardholder's personal credit.