Will Xiaoying's credit card loan be sued to the court?

Legal analysis: online loans are generally overdue for more than 90 days and have the right to bring a lawsuit to the court. Therefore, loans overdue, a small winning card, may be prosecuted for more than 90 days. However, this is not absolute. After all, it takes a lot of manpower, material resources and financial resources to file a lawsuit in court. Therefore, small win card loans generally do not sue customers, mainly through collection to urge customers to repay. Of course, if the customer's overdue situation is very serious, even if no one can be contacted, Xiaoyun Card Loan may sue the customer to recover the money. If you apply for a small win card loan, you must remember to repay it on time to avoid adverse effects on personal credit due to overdue; Even if it is overdue, it should be returned as soon as possible. Don't delay paying back the money. After all, after a long time, the overdue amount is large, and you may be sued. If it had been included in the list of untrustworthy people by the court at that time, the consequences would have been more serious.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 673 Where the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.

Article 674 The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.

Validation of laws and regulations: June 2024 17