Will the credit card report to the police when it is overdue?

Yes, the public security organ will not inform you by SMS, but will usually call you to the police station or sub-bureau at the specified time to explain the situation, and there will be no other unreasonable demands or problems! To sum up, even without the intervention of the public security bureau, the impact of overdue debts is great. The problem still needs to be solved fundamentally, and we should think about how to repay the loan after loans overdue.

The overdue credit card is against the agreement you signed with the bank. It is only a breach of contract in a short time, but under different circumstances, it may have very serious consequences!

In the first case, if your overdraft principal (excluding interest) is less than 50,000 yuan, then in any case, the creditor-debtor relationship between you and the bank will always be civil. If you owe money, you may be urged by the bank, entrusted by a third party, or even prosecuted in civil.

In the second case, if your overdraft principal exceeds 50,000 yuan for more than three months, you may commit the crime of credit card fraud after more than two reminders by the issuing bank! Overdraft of 50,000 yuan here means that you overdraw maliciously, not because of illness, medical care, investment failure and other reasonable reasons. If it is because there is no reasonable planning and a high-consumption life, it is easy to be considered as a malicious overdraft! Therefore, if the malicious overdraft exceeds 50,000 yuan, it can be considered that it has violated the criminal law and is suspected of credit card fraud. If the bank reports the case to the public security organ, the credit card user will be put on file for investigation by the public security organ for alleged credit card fraud. At this time, the public security organ will check with you by phone to confirm whether your behavior is suspected of a crime!

Generally, a credit card can enter the judicial process and file a case after 90 days overdue. The time limit for prosecution is two years. Consequences of non-payment of credit card (dunning step):

1. The issuing bank will collect credit card loans according to law. According to the loan contract and guarantee contract (mortgage or pledge contract), the issuing bank will bring a lawsuit to the court, and the court will take measures such as property preservation, including freezing the bank deposit of the credit user and sealing up the pledged property.

2. After the judgment is made, the property will be enforced according to law (deducting deposits, auctioning collateral, etc.). ) to repay the bank's loan losses. Specifically, it includes: default of principal, default of interest, overdue interest, default interest, all litigation costs arising therefrom, and related expenses incurred when disposing of pledged property.

3. Credit will be affected. If the borrower is a company, your company will be recorded in the national bank credit information system, and credit card overdrafts in the name of individuals will also be recorded as overdue loans in the national personal credit information system.

4. If you are not maliciously defaulting on the bank loan and are able to pay the interest on the normal credit card overdraft, it is recommended to apply to the credit card center for suspension of repayment first, stating the willingness to repay, the fact that you have not paid the credit card debt for the time being and the plan for repayment in the future. Normally, the bank will give you a grace period.