1. Submit relevant information to the competent court for prosecution;
2. Go to the civil filing window of the court filing hall to file a case and issue a certificate for paying legal fees;
3. Pay the legal fees at the window designated by the court or bank, and hand in the receipt to the civil filing window, and the filing work is completed;
4. Wait for the judge of the trial court to inform the trial time. After the trial, the judge will make a judgment according to law and the proceedings will be over.
Legal consequences of overdue repayment of credit cards;
1, which will generate high overdue interest;
2. Will be sued by the bank to the court, resulting in economic losses such as legal fees and attorney fees;
3. Individuals will have bad credit records, which will have an impact on future bank cards and loans;
4. If the amount owed exceeds 6,543,800 yuan, it constitutes the crime of credit card fraud and should be investigated for criminal responsibility.
If you owe a credit card and can't repay it, how long you will stay in prison depends on the amount:
1, overdraft 1 10,000 to110,000 belongs to a large amount, and will be sentenced to fixed-term imprisonment of not more than 5 years;
2. Overdraft of100,000 to100,000 is a huge amount and will be sentenced to fixed-term imprisonment of more than five years and less than ten years;
3. Overdrawing more than one million yuan, which is extremely huge, will be sentenced to more than ten years.
How to negotiate repayment with the bank for credit card arrears
When the cardholder's credit card can realize that it will not be paid before the deadline, it is best to communicate with the bank in advance to find a suitable repayment method, and the bank will generally give you a feasible plan.
If you want to negotiate repayment after a period of overdue debts, first of all, you should take the initiative to call the bank hotline and show your repayment attitude and willingness to the staff. In the process of communicating with the bank, I actively explained that my financial situation is difficult and I have no repayment ability. As long as you provide relevant certificates and repay your previous credit card on time, there will be no bad record. Banks generally agree to negotiate, and cardholders only need to repay as agreed, and there will be no problem if there is no overdue.
Legal basis:
Article 120 of the Civil Procedure Law of People's Republic of China (PRC) stipulates that the judgment shall be made by the people's court. Any unit or individual who illegally detains others or illegally detains other people's property to recover debts shall be investigated for criminal responsibility according to law, or be detained or fined.
Article 196 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:
(1) 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 other people's credit cards;
4 malicious overdraft.