Is it true that Central Plains consumption is overdue?

I won't accept it at home, but I will receive it by phone and report it to the credit bureau. Finally, I will sue in court. It is suggested to repay in time or negotiate repayment.

If China Merchants Bank uses credit cards and loans, it does not rule out that there will be door-to-door collection. If you have any consumption, please repay it in full and on time before the due date. First of all, overdue will produce bad credit records, which will affect your personal credit and future credit business; Secondly, overdue repayment will generate interest and liquidated damages; Finally, long-term non-return may violate the law, and the Bank reserves the right to sue.

Hello, overdue payment not only has a late payment fee of 5% of the minimum unpaid part (minimum 10 yuan), but also has a penalty interest on the full bill (five ten thousandths of a day, interest will be accrued on the day of consumption, and interest will be recovered monthly until the principal and interest are paid off), and it will also generate a bad credit record in the Credit Information Center of the People's Bank of China, which will affect the application for credit cards and bank loans within two years.

If the payment is overdue for more than three months or the bank makes more than two reminders, the bank will freeze your card and list you as a prohibited customer (blacklist). At the same time, it may be sued for credit card fraud and malicious overdraft, which will be enforced by the court. If you refuse to repay the loan after prosecution, and the amount owed exceeds 1 000, the court will impose a sentence on the crime of credit card fraud according to Article 196 of the Criminal Law!

Credit card overdue repayment will face the following consequences:

1, credit card late fee. The so-called credit card late payment fee refers to the fee that the cardholder should pay to the issuing bank in accordance with the regulations when the repayment date is overdue or the repayment amount is lower than the minimum repayment amount.

2. Overdue interest. After users overdraw with credit cards, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder's repayment is overdue, all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the circulating daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18%.

3. Bad credit record. Credit card overdue repayment records will enter the central bank's credit information system to generate bad credit records. China's personal credit information records have been networked nationwide. As long as individual residents have handled loan business in banks, applied for credit cards, or provided guarantees for others, credit reports can be found in any domestic commercial bank.

4. Litigation costs. If the credit card is not repaid for more than 3 months, the bank will ask a lawyer to send a lawyer's letter to the user and bring a lawsuit to the court, and the litigation expenses will be borne by the cardholder.

5. Criminal responsibility for malicious overdraft. According to Article 196 of China's Criminal Law and relevant judicial interpretations, malicious overdraft 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 commits credit card fraud with malicious overdraft shall be investigated for criminal responsibility for the crime of credit card fraud, 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.