When it comes to credit card loan information.

It is true that the credit card is overdue, and it is said that a lawsuit will be filed.

When you encounter overdue credit card collection, don't avoid the collection staff, don't have unnecessary conflicts with the collection staff, and don't play "missing", because as long as you are overdue, you will repay as usual every month, and there is nothing to worry about. Negotiate repayment with the bank: if an individual has financial problems and can't repay all the money, he can settle. Negotiate repayment, ask the bank to extend the repayment period or reduce interest, but don't evade the bank's collection. In this case, the credit card interest will only increase.

What is the impact of overdue credit cards?

1, penalty interest for overdue credit card;

2. overdue interest;

3. Bad credit record;

4. Criminal responsibility for malicious overdraft;

5. Credit card overdue repayment records will be recorded in the central bank's credit information system, resulting in bad credit records;

6. If the overdue amount is large, the bank will directly sue the cardholder for credit card fraud and malicious overdraft.

Being sued for overdue credit card shows that the overdue degree is very serious and it is urgent to contact the bank. The purpose of bank prosecution is to collect debts. If the cardholder can promise to repay in time, the bank will generally withdraw the lawsuit. When the economy is really difficult, try to negotiate with the bank to repay the loan in installments. If the bank calls for debt collection, it should take the initiative to negotiate and cannot escape. You should take the initiative to explain the situation to the bank and express the reasons why you can't repay on time. You can apply for the minimum repayment amount or installment repayment.

Your credit card cannot be repaid. If you receive a reminder message, you can sue the cardholder in the following ways:

1, timely repayment

If the cardholder has the ability to repay, it is best to repay in time. After the repayment, the bank will generally withdraw the lawsuit. If you don't repay, you will be judged by the court to repay the arrears and bear the litigation costs.

2. Respond to the lawsuit

If the cardholder wants to respond to the lawsuit, he can write a defense and submit it to the people's court within the defense period, or entrust a lawyer as an agent ad litem to respond to the lawsuit.

What is the determination of malicious overdraft credit card?

1. Two restrictions have been added to "malicious overdraft":

1) First, the issuing bank made two collections;

(2) It has not been returned for more than three months.

(3) This does not include the failure to return on time due to the failure to receive bank dunning notice or other dunning documents. If the cardholder fails to return it within a certain period of time, it does not belong to "malicious overdraft".

2. The crime of malicious overdraft credit card fraud is a deliberate crime, so it has the purpose of illegal possession subjectively, which is a very important constituent element of this behavior. "Illegal possession" is the main boundary between "malicious overdraft" and "goodwill overdraft". Only the overdraft for the purpose of illegal possession belongs to "malicious overdraft" and constitutes a crime. 3. Define the amount of "malicious overdraft". The amount of "malicious overdraft" refers to the amount that has not been returned and has not yet been returned, excluding the fees charged by the issuing bank such as liquidated damages and compound interest.

4. According to the criminal policy of combining leniency with severity, those who repay overdraft interest before the court decides or the public security organ files a case will be given a lighter punishment or will not be investigated for criminal responsibility. In this way, we can not only investigate and deal with the fraud of "malicious overdraft" according to law, but also give play to the warning and education function of the law and minimize the scope of criminal attack.

legal ground

Article 7 of the Law of People's Republic of China (PRC) Commercial Bank, when handling credit business, commercial banks shall strictly examine the credit standing of borrowers to ensure timely recovery of loans. Commercial banks recover the due principal and interest of loans from borrowers according to law, which is protected by law.