The online merchant bank is two years overdue. The online merchant bank called today. Will it come to the door?

Legal analysis: generally do not come to the door. After the online merchant loans overdue, there will be dunning messages and phone calls. However, if the dunner can't find the user, it doesn't rule out calling the family to ask for the user's new contact information. If a third party makes a dunning, it may come to investigate the situation. If it is not returned for a long time, it will be sued by the platform sooner or later. It's true. If the money in the online merchant's loan is overdue after being sued, the court will freeze the user's assets. If the online loan behavior belongs to the normal lending scope, it belongs to a civil case, does not involve criminal cases, and will not go to jail. If the other party brings a lawsuit to the court and decides that you need to repay the arrears, if you have been in arrears and fail to perform the judgment, you may face detention.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and 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:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.