Is it true that the credit card is overdue and sends a text message saying that it will be prosecuted?

It's true. If the bank is overdue for a long time and maliciously owes money, the bank will take judicial action, hoping to attract attention. At the same time, serious overdue will leave a bad credit record. It is suggested to pay back the money as soon as possible to solve unnecessary troubles.

According to the relevant laws and regulations on credit cards, if the credit card user fails to repay for three consecutive months, or the repayment amount is lower than the minimum repayment amount of the credit card, the issuing bank has the right to bring a lawsuit to the court.

Compared with ordinary bank savings cards, the most convenient way to use credit cards is to make ordinary consumption. There is no cash in the card, and in many cases, as long as the amount of consumption is returned on schedule.

Overdraft consumption does not require deposits, and can enjoy an interest-free period of 20-56 days, and repay the principal and interest on time. It is not only safe and convenient to swipe your card when shopping, but also a bonus gift. Special merchants who hold cards in banks can enjoy preferential treatment.

Credit cards are free to choose the form of one card and two coins, which are universal, and consumption abroad can repay in RMB. 400 telephone or 5-digit short number prefixed with "9" provides 24-hour service, and the report of loss takes effect immediately, with zero risk of card loss.

Validity period: It is known that the validity period of domestic credit cards is generally three to five years. Use the third-party platform for business cooperation and provide preferential services for cardholders.

According to the relevant laws and regulations on credit cards, if the credit card user fails to repay for three consecutive months, or the repayment amount is lower than the minimum repayment amount of the credit card, then the issuing bank has the right to bring a lawsuit to the court.

Note: If the overdue amount of the cardholder reaches 50,000 yuan, and the cardholder still fails to repay the arrears for more than 3 months after being collected twice by the bank, then the credit card user is suspected of credit card fraud.

Once the court decides that the cardholder is maliciously overdrawn, he will face criminal responsibility for the crime of credit card fraud, that is, users who owe 50 thousand yuan and are overdue for more than 3 months are likely to go to jail for their credit cards, which shows that the consequences of overdue credit cards are very serious.

At present, most banks provide cardholders with a repayment grace period of about 3 days. As long as the user repays the loan within the grace period, the bank will consider the cardholder to repay the loan on time, and there will be no overdue fees, which will not affect the personal credit information.

If the credit card user fails to repay the arrears beyond the repayment grace period, the bank will regard the cardholder as overdue. From the date of overdue, banks will charge overdue fees and upload the overdue records of credit card users to the central bank's credit information system.