Credit cards overdue for 90 days will be collected at home. First of all, the bank will be collected by the staff of the collection department. In the case of repeated unsuccessful collection, the collection business may be outsourced to a third-party collection company, and then the third-party collection company will collect it at home. After repeated door-to-door collection, the bank will go to court to sue, and the cardholder may be investigated for criminal responsibility. If the circumstances are serious, it is a malicious overdraft and may constitute a crime of credit card fraud. If the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan. Malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or term for the purpose of illegal possession and refuses to return it after being urged by the issuing bank.

Consequences of overdue:

1 generate penalty interest

Usually, when the loan is not paid in full on the interest payment date, the bank will temporarily list it as a reminder and call the borrower to remind him to pay within 7 days. If the loan is made up within 7 days, the bank will not charge any late fees. However, if the loan is not paid for more than 7 days, the bank will classify the loan as "collection" and "deferred payment", and then you must pay the late payment fee or penalty interest. The penalty interest intensity of each lending institution is different. For example, Citibank's penalty interest rate is 50% higher than the original interest rate.

2. Pull into the blacklist and record it in the bad credit file.

The name of the lender will appear in the internal system of the bank the day after the deadline, and the credit report will inevitably leave a bad record. If you haven't paid your bill for more than three months, it's very serious. The borrower will be recorded with a bad credit record in the joint credit center, commonly known as the "blacklist", and may keep it for more than 3 years.

3. Affect future loans and credit cards.

As long as you enter the blacklist, both mortgage and car loan will be affected. Penalty interest is only a loss of money, and bad credit record is a loss of intangible assets, and its influence is irreparable by money.

4. Can't enjoy preferential loans.

For mortgage loans, if there are many overdue repayment records in the past loan records, even if they are not blacklisted, they may not be able to successfully obtain the preferential interest rate of bank mortgage loans, and may even be rejected for new mortgage loans, except for the penalty interest for mortgage repayment in loans overdue.

5, can't fly, high-speed rail, drive a car, and children can't go to aristocratic schools.

For those who refuse to carry out the court's judgment or ruling, once they are blacklisted, they will not be able to take the plane or the high-speed rail.