Is it illegal to owe a credit card to harass your family?

It is illegal to owe a credit card to harass your family.

1. If the other party keeps calling to harass the family, it is a violent reminder and you can call the police;

2. If the other party only calls for collection, it may be more appropriate to complain to relevant departments, such as China Internet Finance Association and China Banking Regulatory Commission.

3. Threatening, insulting, beating or retaliating against witnesses and their close relatives;

4. Sending obscene, insulting, threatening or other information for many times, which interferes with the normal life of others.

What should we do after the credit card expires?

1. If the credit card is overdue. But we didn't get a phone call from the bank, only a short message from the bank or an email about the deposit. At this time, I need to call the bank to explain the reason at the first time, and what I need to do is to return the money to the bank in time. Only in this way will there be no bad records in the credit investigation.

2. In another case, the overdue time is less than 3 months, and during this period, I have been receiving various collection calls from banks or collection companies. But the credit card used has not been frozen. What needs to be done at this time is to contact the bank actively. Express the willingness to repay in communication. Repay in full if you can repay in full. If not, arrange repayment in installments with the bank and pay back the money owed to the bank on time every month.

3. In addition, from the overdue time and more than three months, the bank card is also frozen at this time. Interest will be generated at this time. Never take the initiative to change the number. We need to call the bank at the first time to explain something. It mainly shows that he didn't breach the contract maliciously, but what caused the overdue. At the same time, it is necessary to agree with the bank on the length and amount of repayment, and it is best to repay in time within the range that you can bear.

What happens when the credit card expires?

1. Usually, after the overdue period, the bank will remind you by phone, text message and email to let you repay the loan within the specified time limit.

2. At the same time, there will be some late fees, interest, over-limit fees and so on after the deadline.

3. There will also be bad records in the credit record. If you buy a house and a car with a loan later, it will be greatly affected. This is equivalent to the bank breaking up with you and no longer being a trustworthy partner.

4. There may also be the phone number of the dunning company and various dunning methods.

The most serious thing is that you will receive a letter from a lawyer, and there is a great possibility that you will face litigation and jail.

Legal basis: Article 42 of People's Republic of China (PRC) Public Security Administration Punishment Law.

One of the following acts shall 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 more than five days and less than ten days, and may be fined up to five hundred yuan:

(1) writing threatening letters or threatening the personal safety of others by other means;

(2) publicly insulting others or fabricating facts to slander others;

(3) fabricating facts, falsely accusing and framing others, and attempting to subject others to criminal investigation or public security administration punishment;

(4) Threatening, insulting, beating or retaliating against witnesses and their close relatives;

(5) sending obscene, insulting, intimidating or other information for many times to interfere with the normal life of others;

(six) voyeurism, sneak shots, eavesdropping, spreading the privacy of others. One of the following acts shall be detained for not more than five days or fined not more than five hundred yuan; If the circumstances are serious, he 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: (1) writing threatening letters or threatening the personal safety of others by other means; (2) publicly insulting others or fabricating facts to slander others; (3) fabricating facts, falsely accusing and framing others, and attempting to subject others to criminal investigation or public security administration punishment; (4) Threatening, insulting, beating or retaliating against witnesses and their close relatives; (5) sending obscene, insulting, intimidating or other information for many times to interfere with the normal life of others; (six) voyeurism, sneak shots, eavesdropping, spreading the privacy of others.