1. Will the bank sue the bank if the credit card is overdue for one year?

If the credit card is seriously overdue for more than one year and the bank does not pay back, the bank will sue the court to demand repayment.

1. If a bank files a civil lawsuit in court, the court should decide whether to accept it within 7 days from the date of receiving the litigation materials.

2. If the amount of debt owed is relatively large and the debt is not returned for more than 3 months after two collections by the bank, it shall constitute a crime of credit card fraud and shall bear criminal liability.

2. What are the standards for banks to identify overdue records? 1. When banks evaluate loan applicants, in addition to assessing repayment ability and loan purpose, they will definitely Focus on assessing the applicant's personal credit. However, each bank has different standards for "how many times the loan is overdue".

2. Generally speaking, if the total number of overdue items reflected in the credit report does not exceed 6 times, and the overdue items do not exceed 3 times in the past year, the bank will consider that there are no serious problems with the credit record. If the applicant has no loan overdue record and only has one or two overdue credit cards, such a credit report will not have a serious impact.

3. However, if it is currently overdue, that is, a credit card happens to be overdue when applying for a loan, even if the credit was very good before, the current overdue impact on the loan application will be very serious, and it is usually impossible to obtain a loan.

3. How to deal with a credit card overdue

1. It is best to continue to use this card

After it expires, the best way is to continue to use this card For a card, the original negative record will be overwritten with a new normal repayment record. Generally, a new credit record will be generated after 24 months, so that personal credit, etc. will not be affected after the record is refreshed.

2. Don’t run away.

If you are overdue for a long time, your credit card will charge compound interest and there will be high late payment fees. If you run away, the bank will think that you are maliciously overdrafting and will call the police.

3. Inability to repay must be explained in time

If you are unable to repay on time due to unemployment or illness, state your financial situation before the final repayment deadline and declare that you are not malicious If you owe money, you can apply for delayed repayment and interest discounts.

4. It is best to repay in full and explain

If you forget to repay due to usual carelessness, you must repay in full as soon as possible after discovering that it is overdue, preferably in full. , because after full repayment, you have the best chance of winning if you call the bank to explain that the debt is not malicious and request to eliminate the overdue record.

If there are any unclear or new situations, we recommend that you call us directly for free consultation so that you can understand the communication case situation and provide you with detailed and targeted answers to avoid problems due to incomplete information and poor communication. , the answer is wrong. I wish you success in safeguarding your rights.