1. How long does it take for a credit card to be blacklisted if it is overdue?
1. As long as it is overdue for more than 90 days, it is generally a blacklisted account. This is the standard of most banks. .
2. Under normal circumstances, if a personal credit card bill is overdue, the bank will collect the debt from the debtor in accordance with relevant regulations in the first three months.
3. If collection is successful within these three months. Then the bank will not take the next step of collection action. If the bank fails to collect the credit card within three months, then according to the law, if the credit card is overdue for 3 months and fails to collect the credit card, the bank can take legal proceedings.
2. What to do if you can’t pay off your credit card?
If you can’t pay off your credit card, you can apply to the bank for minimum repayment or deferred repayment. If the overdraft amount reaches more than 10,000 yuan for the purpose of illegal possession, and the card-issuing bank still fails to return it after two collections for more than 3 months, it will be suspected of malicious overdraft and you will need to bear corresponding legal liability.
If overdue behavior occurs, the debt must be paid off in time.
3. What will happen if a credit card is overdue and sued
1. The bank’s continuous reminders
When a borrower repays overdue, the bank’s credit card customer service The center will first make multiple phone calls; if the payment is still outstanding, the bank will entrust a third party to collect the money, usually through continuous phone calls, text messages, or even door-to-door collection; after repeated calls for payment but not repayment, the bank will The court prosecutes.
2. Being sued by the bank and unable to apply for a loan
The cardholder will be added to the credit blacklist and unable to apply for a loan. The court will collect collection. After receiving the court summons, after investigation and Persuade and urge repayment, but if the cardholder refuses to repay, the court can take enforcement action; subsequently, the court will liquidate the cardholder's assets to repay the card debt and freeze the relevant property.
3. Malicious default will result in imprisonment and fines
If your credit card is overdue for three months, it can be considered a malicious overdraft penalty. However, if you communicate with the bank in advance and prove your repayment, If you have a repayment ability and a repayment plan, you will generally not face criminal liability. However, the court ruled that cardholders who still do not return will be dealt with in accordance with the "Criminal Law". In serious cases, they may face consequences of three years in prison and fines. In particularly serious cases, they may face longer term imprisonment of three to seven years and fines. fine.
If a credit card is overdue for a long time, it will be blacklisted by the bank. It will be very difficult to get a loan from the bank in the future, so we need to protect our own credit.
If the credit card overdue situation is serious, it will be included in the blacklist, which will have a serious impact on your future life and work. If it cannot be dealt with in time, it will also be Bearing overdue interest will also damage your credit score. Therefore, only by paying back on time can you better protect your interests from any losses.