Money delinquent credit card payments purpose can be divided into two kinds of cases, one is a criminal case, one is a civil case, which have different criteria for filing a case.

And in the many arrears of credit card money is the most bad owe, because this is the bank lent you money, is to use your credit loan out of the money, if not on time repayment, overdue on the credit, but also able to the cardholder legal collection collection unsuccessful, justified to go to the court to prosecute the case, and subsequently if it is filed on the more troublesome.

Banks do not have the amount threshold

How much credit card debt can be filed, generally speaking, there is no amount threshold, mainly depends on the case is which type of filing, the amount of borrowing up to 50,000 yuan, it can be classified as a criminal case, and which also includes malicious credit card overdraft, such as more than three months of late time, and after two reminders by the bank, it is not a criminal case. Three months, and after the bank two calls to no avail, then this situation may be a criminal case and the debtor will be held criminally responsible, according to the credit card fraud was sentenced to death.

And if you don't pay the money back within the time limit after the court case, you're likely to go to jail. In addition to the criminal case, there is another is a civil case filed relatively civil cases do not have so many requirements, no matter how much you owe, how long the bank can go directly to the court to sue for repayment, and as long as the bank sued, the court will be filed and accepted the case, requiring you to pay the money owed in a timely manner.

Active negotiation is the solution

If you don't pay back the money owed, although you won't be sentenced, but it is very likely that you will be included in the list of executives who have lost their credibility, that is, what we call the old man is included in the list of executives who have lost their credibility, and then for the development of the future as well as the travel will have a great deal of unchanged, first of all, it is not able to Drive on the highway, take the high speed train, then the great mountains and rivers of the motherland will be very difficult to see in the end. However, there is a way to save, no matter how much money is owed, by the bank sued, the court case, you can take the initiative to negotiate with the bank to repay before the judgment.

Because the ultimate goal of the bank case is to make the debtor repay on time, if the debtor is indeed due to special circumstances can not pay off the arrears on time, you can also negotiate with the bank after the suspension of the interest rate pending, the arrears of this sum of money in five years or so a sum of money to pay off, and in the case of the borrower after the consequences of the case how serious, but also through an example to illustrate.

Really can not pay how to do

For example, there is such a person owes the bank five thousand dollars, has not been paid, halfway through the cell phone number to the change, then he is very likely to go out on a certain day, directly by the local police station police officers to take away, and criminal police also have the right to detain him in the detention center 24 hours, must wait until the family to come over, the arrears of payment before they can go, so from this case can be seen, the case arrest and overdue amount and time is not any correlation.

If you really can't pay the bank owes the right thing to do is definitely not to change the cell phone number, but rather to keep the cell phone's continuity smooth, so that the bank can always be able to contact, you'd better not to travel to the field, received the bank's collection call when you have to get through, don't play the lost and the bank to explain the situation, to explain the reason why they really can't pay, and strive for the bank's negotiation of the repayment, so as to avoid prison sentence. The first thing you need to do is to get the money from the bank and then you will be able to avoid jail time. Although it does not mean that the debt overdue will be jailed, but the bank's bottom line is not to be violated.