1. How to return a credit card when a person is under criminal detention?

If you are detained or imprisoned for a crime and your credit card cannot be repaid, you can entrust others to handle it on your behalf.

The debtor's personal freedom is restricted because he is suspected of committing a crime, and he cannot be exempted from the responsibility of the credit card. The bank has the right to sue, and the parties can actively communicate with the bank or contact family and friends to handle it on their behalf, otherwise it may constitute credit card fraud.

2. How long is the credit card collection overdue?

Generally, it is 7 to 15 days overdue, and the bank will think it was accidentally forgotten. Generally, the main reminder function is to send text messages. Telephone collection is mainly aimed at overdue behaviors that are more than 30 days and more than one billing cycle. If you send a text message, the bank will call to remind you of the repayment.

Door-to-door collection is mainly aimed at overdue for more than 90 days, and the bank will arrange collection personnel to collect repayment at the cardholder's residence or work address. If the credit card is overdue for more than half a year, the bank will apply to the court to sue the cardholder for repayment. If the repayment is overdue for more than 1 year, the bank will package the overdue funds, discount them to the outsourcing collection company, and teach the responsible person to make overdue repayment.

3. How soon will loans overdue be sued?

If you don't pay for more than three months, it will be very serious. If the loan bank collects the loan according to law, it will bring a lawsuit to the court according to the loan contract and guarantee contract (mortgage or pledge contract), and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of the lender and loan guarantor and sealing up the pledged property.

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: loan principal, loan interest, overdue interest, penalty interest, and all litigation costs arising therefrom, and related expenses incurred when disposing of pledged property.

4. How long can overdue credit records be eliminated?

Overdue credit records will be automatically eliminated within 5 years after the repayment by the parties concerned, and the longest retention period of overdue credit records is 5 years, counting from the date when the parties pay off their debts.

The provisions of the Regulations on Credit Management on the retention period of credit information are as follows:

Credit reporting agencies shall keep the collected personal bad information for no more than 5 years, and take the initiative to eliminate it after paying off the arrears for 5 years. In other words, bad credit information will be eliminated after the parties pay off their debts for five years, but if the parties do not pay off their debts, then this overdue record will always exist.

Credit cards must be returned within a limited repayment time. Even if the cardholder is criminally detained, the credit card debt cannot be exempted. You can entrust relatives and friends to repay credit card debts on your behalf. If you don't return it on time, there will be overdue records, personal credit will leave a bad record, and you need to pay high interest and liquidated damages, which will bring inconvenience to your life.