Who knows what the prosecution process of Bank of Communications' three-month credit card default is? Familiar with the dunning procedure of Bank of Communications. .

Prosecution procedures for credit card arrears:

1. First of all, if you still don't pay back the money after repeated reminders from the bank, the bank will file a civil lawsuit with the court; After receiving the bank's lawsuit, the court will take the initiative to investigate the truth. Once it is confirmed that you really owe money for a long time, the court will ask the bank for your personal information.

2. The bank collates the litigation materials and submits them to the court for approval; After receiving the litigation materials, the court will generally examine and approve them within 7 days to decide whether to accept them;

3. Failure to return it after a civil judgment constitutes a crime of credit card fraud and should bear criminal responsibility; After the relevant departments put on record for investigation, the bank will entrust the local people's procuratorate to file a public prosecution with the court in about 4 months.

Extended data:

Credit card collection is divided into internal collection and outsourcing collection. Internal collection usually refers to customers who are overdue for more than three months. Generally, they are reminded by bank customer service (M0 period), urged by electricity (M 1, 2 period) or collected at all business outlets (M3 period)!

Outsourcing collection mainly means that the credit card center entrusts some companies (some of which are law firms) specializing in collection industry to collect some customers who are difficult to handle, have problems, lose contact or have a small amount after internal collection fails.

1.？ M0 period: from the day after the last payment date to the next billing date. During this period, the bank records are hardly damaged, but late fees and full interest will be charged. During this period, banks generally don't call for money, but remind them by SMS platform or telephone that they are overdue!

2.？ M 1 time period: it is the continuation of M0 time period, that is, between the second unpaid billing date and the last payment date of the second bill, the credit record will be uploaded to the credit information system of the People's Bank of China, which will most likely affect the housing loan or credit loan, and will also charge a late fee.

If it is before the second payment date, it will only be collected once, otherwise it will be collected twice, and the interest will be charged according to the compound interest of the current arrears! At this time, the bank will generally remind large customers, that is, the collector of the collection department of the credit card center calls to remind the repayment! Some banks don't charge money during this period, in order to earn more late fees and interest.

3.？ M2 period: it is the continuation of M 1, that is, between the third billing date and the last payment date of the third bill, the credit record of the banking industry will have a great impact, which will have a great impact on the loans and job hunting of larger enterprises in the future. There will be a late fee.

If it is before the third payment date, the second late payment fee will be charged, otherwise, the interest will be compounded according to the amount owed in the current period! At this time, banks will generally use the method of urging repayment, and the relevant collection personnel will call to inform them of the impact of credit records, and they will contact relatives and friends of the debtor to help remind them of repayment. Some banks have a tough collection, and even some collectors pretend to be relevant lawyers to put pressure on debtors, but some banks have a lighter collection, so they only collect at this time!

References:

Credit Card Collection-Baidu Encyclopedia