The credit card debt of China Merchants Bank is 6.5438+0.2 million, which is overdue for more than three months. The bank said he was arrested for filing a case. What should I do?

What is the charge of filing an arrest?

If an arrest is needed, it will involve a criminal case. So how much is your fee? Then a criminal case, then you would have been arrested immediately. It is impossible for a criminal suspect involved in a criminal case to surf the Internet casually.

Have you ever heard that a suspect involved in a criminal case is at large?

I have contacted thousands of overdue people, one card, some overdue thousands, some overdue hundreds of thousands. I've only heard of those who sue in a civil economic dispute court and then become the executor, but it doesn't involve criminal matters.

What you are talking about is urging to collect and sort out a charge to fool you. Have time to learn more about the law. At present, there is no legislation on expropriation, which is quite confusing. You can only learn more professional knowledge by yourself, and don't scare yourself.

The best way to deal with it is repayment, but it needs to be clear that there will never be a "record deduction" when the credit card is overdue. Arrest refers to the compulsory measures taken by public security organs, people's procuratorates and people's courts to deprive suspects and defendants of their personal freedom and detain them according to law in order to prevent them from obstructing criminal proceedings, evading investigation, prosecution and trial or causing social danger. Arrest is a compulsory measure for the state judicial organs to completely deprive criminal suspects and defendants of their personal freedom within a certain period of time. However, credit card overdue only involves civil affairs, and there is no so-called criminal suspicion, unless it involves credit card fraud. If the credit card is overdue, it is not involved.

After the credit card expired, I received a phone call and a text message from the bank. The bank said that it had reported the case to the local public security bureau. Is this information true? Will you file a case?

In fact, this information is basically a fiction of the third-party collection platform. If the credit card overdraft limit does not exceed 50,000, it is a civil dispute and the public security organ has no right to intervene. If it exceeds 50,000, and it is a malicious overdraft, there will be criminal legal risks. The definition of malicious overdraft is also very strict. Without enough evidence and basis, go for the record? Just arrest people? They also violated some laws and regulations!

If you also receive such a phone call or text message, think for yourself, which policeman informed you in advance before arresting people?

If the arrears are overdue for 3 months, the bank will have the right to sue. But at the same time, we can also negotiate installment repayment.

If you want to return to normal life, you must solve the problem from the root of debt, so as to greatly reduce and avoid some legal responsibilities. So as to get out of the debt.

I'm Xiao Gan. Please leave a comment for more overdue questions!

Personal real cases to answer your questions.

China Merchants Bank owes more than 100,000 yuan, and China Merchants Bank's gold and platinum installment cards are not needed. The gold card amount is 47,000, and the temporary amount is more than 40,000. Platinum card limit is 60 thousand. I also forgot how much I paid back. At present, China Merchants Bank needs to repay more than 80,000 credit cards and 654.38+10,000 platinum cards, which are overdue for more than 1 year. The bank said it had stopped. Some time ago, China Merchants Bank directly deducted 2000 yuan from me, but I got it back.

After more than three months overdue, the bank said that the statement of filing a case for arrest was exaggerated, and most of them were said by outsourcing companies. As for how to deal with it, it is very simple. Repayment.

At this time, it is basically impossible for you to negotiate with them to stop paying interest and repay the capital. Unless it is paid off in one lump sum, it is possible. Try it, but you probably can't, and it depends on whether you want to pay it off at once. If you have money, you'd better negotiate a one-time payment. At this time, if you say to stop paying the principal and pay it back in installments, they will not accept it. They have a collection process.

If you really have no money, admit it, and don't ask for credit information. They just reported your credit history to the Credit Information Center of the People's Bank of China. Actually, in this case, it's none of your business. If you don't receive it all the time, you may prepare materials to sue you. I was sued by Guangfa Bank. But I didn't respond to the lawsuit, and I didn't pay the toll. Maybe one day the bank card WeChat will be frozen.

If the bank sues, you are sure to lose. But it doesn't matter. After all, you owe money and have to pay it back. If there is still no money to pay back after the court's decision, the bank will ask for enforcement. At that time, all accounts under your name will be frozen, including the stock fund Alipay WeChat account. If there is no money in the account, you will be allowed to auction the fixed assets, and if there are multiple houses in your name, you will auction the repayment.

In fact, the amount of hundreds of thousands is already quite a lot. Either become a dormant account or be sued for repayment. When it becomes a credit report in a dormant account, it will turn black, and it will be restored five years after settlement one day. If you don't become a dormant account, you will sue, but it will take time. There are some processes within the bank.

Paying off debts is a matter of course. There is no better way to deal with it. It is king to find a way to get ashore as soon as possible.

The bank is so capable that it can arrest you?

The only criminal case that may be touched by overdue credit cards is the crime of credit card fraud.

First, credit card fraud

According to Article 196 of the Criminal Law, the crime of credit card fraud is an act of using credit cards to defraud a large amount of property for the purpose of illegal possession, in violation of credit card management regulations.

The specific explanation can be searched online, focusing on three points: illegal possession, fraud and large amount.

So have you used false information to apply for a credit card, used the money in the credit card to do illegal and criminal things, evaded debts, and avoided losing contact after the deadline!

As for the amount of principal above 50 thousand, it does constitute the sentencing standard, but it is not the only standard!

All you have to do is find out for yourself whether you are cheating or not. If you don't cheat, the bank will sue you for credit card fraud.

Second, the prosecution is affirmative.

The credit card is overdue for a large amount and a long time, and the bank is likely to sue. But they were all sued for credit card disputes. This is a civil case. No matter how much they owe, they won't go to jail.

After the prosecution, the bank may apply for enforcement, your property will be auctioned and your bank card will be frozen. It will even be restricted to high consumption, but what can these do to people in debt?

If it is found that the debtor has no repayment ability, the court will suspend the execution and give the debtor time to make money!

Third, negotiate with the bank.

After the deadline, actively apply for signing a personalized installment repayment agreement with the bank. It can be paid off in 60 installments at most, which is the best scheme for the debtor.

There are many explanations about the specific negotiation process on the Internet, and I have also shared many videos about this, so you can pay attention to it.

Fourth, the real situation.

If the credit card is overdue for less than three months, the bank will contact you through internal collection, mainly to put pressure on you and urge you to repay.

As for suing you, this is a common collection method, so don't worry too much. Whether to be prosecuted or not shall be subject to the court summons!

If the credit card is overdue for more than 90 days and has not been repaid after two effective collections, the bank has the right to bring a lawsuit to the court. It is possible if criminal cases are involved, but according to your description and past experience, this is a common collection method for collection companies, but it does not mean that banks will not sue you.

Have a stable income, willing to repay but unable to repay at one time. You can reach a brand-new personalized repayment plan with the bank through debt restructuring. You can stop bank collection, stop the continuous rolling of interest penalty, avoid being sued by the bank, and reduce the monthly repayment pressure, up to 60 installments at the longest.