If the credit card is overdue for three months, the bank will send a text message saying that it will report the case to our local public security bureau for investigation. Is it true?/You don't say.

If the credit card is overdue for three months, the bank will send a text message saying that it will report the case to our local public security bureau for investigation. Is it true?/You don't say. There is really no money to pay back, and I owe a lot. If it is a text message sent to report the case, this situation is false. It's usually the collectors who scare people. If it is overdue, it belongs to civil liability, and the police will not take care of it, and the people's court will be responsible. Banks that are overdue for a long time and maliciously owe money can take judicial action, hoping to attract attention. Serious overdue will leave a bad credit record. Suggest returning the money as soon as possible.

First, you can try to negotiate with the bank to repay the loan in installments, and see if the bank agrees or not, and the bank will provide you with a plan. A long overdue period will affect personal credit, and the bank will truthfully feedback the cardholder's card use according to the requirements of the People's Bank of China. If it is seriously overdue, the bank will reserve the right to pursue it according to legal procedures, and at the same time, it will be notified by SMS. Don't lose big because of small.

Second, hello, first of all, overdue credit will affect your credit information according to the length of time. Credit information that is seriously overdue (more than 90 days) is a black account, and you cannot apply for any loan business before it is paid off. Secondly, overdue will generate additional expenses such as liquidated damages and overdue interest. It is nothing new that the final interest is longer than the principal for a long time. Please be careful.

3. As long as you answer the phone normally, but you are unable to repay, you will not report the case, which is a civil liability and can only be prosecuted.

After the bank sues, the processing flow is as follows:

1. If it is really unable to repay, it shall negotiate with the bank to extend the repayment period or return it in installments.

2. If the bank sues the court and wins the case, and fails to perform the court judgment during the performance period, it may apply to the court for enforcement.

3. When the court accepts enforcement, it will inquire about the real estate, vehicles, securities and deposits in your name according to law.

4. In addition, if you have no executable property in your name and refuse to perform the effective judgment of the court, your personal credit report will have negative information such as overdue payment, and will be restricted from high consumption and entry and exit, and may even be judicial custody.

5. Refusing to execute a judgment or ruling is suspected of refusing to execute a judgment or ruling.

6. Article 313th of the Criminal Law stipulates the crime of refusing to execute a judgment or ruling. The judgments and orders of the people's courts are capable of execution, and if the circumstances are serious, they shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine.