If it is overdue for 3 to 6 months, it will be prosecuted. Suggest returning it as soon as possible. Deliberately overdue, the behavior of selling goods will be sued by the merchants, because it has caused losses to the merchants. After the merchant brings a lawsuit to the local court, the court will issue a judgment to the overdue person. If the execution is invalid, it will be included in the list of dishonesty and reported to the credit bureau. General credit information will be kept for 5 years after receipt, and will disappear automatically after 5 years. If the credit information is not processed, it will always exist and never disappear.

1. What is a smart rental machine?

Joe Rental Machine is a mortgage-free rental product operated by Shenzhen Life Technology Co., Ltd., which is open to individuals. In fact, it is also a popular product in recent years, which integrates mobile phone installment rental and other services. In fact, for rental products, it is normal for most users to choose the latest mobile phone rental. For example, the latest products such as Apple and Huawei's P40 have been fed back many times. Under normal circumstances, when applying, there are usually places for free. After obtaining the credit line for free, there are generally 1-3 payment periods, and the goods will be delivered after payment. This is also a little different from loan products. Under normal circumstances, ordinary users have many free credit lines, which vary according to the value of mobile phones.

2. What is the overdue interest?

The interest for one day overdue is charged at five ten thousandths, so how much interest a credit card needs for one day overdue mainly depends on the bill amount during the overdue period.

But when you repay your credit card, you should note that most banks have a grace period for repayment, so it is not overdue if you don't repay after the repayment date, and it is overdue if you don't repay the minimum amount after the repayment grace period. At present, most banks have a repayment grace period of about 3 days, but ICBC's credit card has no repayment grace period.

3. How long will it take to be blacklisted?

Under normal circumstances, if the borrower is overdue for more than 6 times in the past two years, or for more than 90 days in a row, the bank will refuse the loan and directly enter the "blacklist" of the central bank's credit information system. However, if the borrower is two days overdue and repays in time afterwards, the bank will not immediately transmit the overdue situation to the credit information system. Generally, if the credit card is overdue for more than three months in loans overdue, the system will automatically submit it to the personal credit report.

If you don't return it all the time, you will leave a bad credit record in the credit report every month. And if you don't repay for many months in a row, you will be sued by the bank and sentenced to malicious arrears. Moreover, the amount of arrears will become larger and larger, and serious fines will be imposed. After the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to stick to it and maintain a good credit during the period, so that the bad records can be slowly improved from the rolling records in the credit information system.

One month after receiving the lawyer's letter within the time limit, it will probably be brought to the people's court, so the parties concerned should make relevant preparations. If it is overdue, the overdue interest is generally calculated at five ten thousandths of a day. Those overdue for more than three months or more than six times in two years will be blacklisted.

legal ground

Article 196th of the Criminal Law of People's Republic of China (PRC)

Whoever commits credit card fraud in any of the following circumstances, if the amount is relatively large, 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; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.

code of civil law

Article 122 A prosecution must meet the following conditions:

(1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case;

(2) Having a clear defendant;

(3) Having specific requests, facts and reasons;

(4) It falls within the scope of civil litigation accepted by the people's court and is under the jurisdiction of the sued people's court.