1, resulting in overdue interest and liquidated damages.
2. Being collected by the bank.
3. If you are sued by the bank, you need to bear the legal fees.
4. Produce bad credit records. After the deadline, the cardholder will be recorded in the bad credit record, which will affect the cardholder's handling of loan business, banking business and other businesses in the future. The cardholder's credit report can be found in any domestic commercial bank. 5, if the circumstances are serious, need to bear criminal responsibility.
2. What's the difference between overdue credit cards and loans overdue?
1, the collection method and frequency are different. This refers to the receipt that has just expired. After the credit card is overdue, the internal staff of the bank will collect it for three months. The frequency of collection is very low. The bank can't call more than three times a day at most. Many times, as long as the bank's collection department has more than two effective collections within three months, they are all in line with the bank's collection terms, and in the process of collection, the bank's collection staff will pay attention.
However, the online lending platform is different. Online loan collectors make countless phone calls every day, and most of the time they still use some special software, that is, VoIP, which is not easy to report feedback. At the same time, due to the mixed online lending platforms, the violations of collectors are particularly serious.
2. As long as the overdue online lending platform exceeds the repayment period, it is overdue, and interest and liquidated damages will be calculated. There is a grace period if the bank fails to do so. Generally, as long as the debt is paid off in time within two to three days overdue, there will be no big problem, which is very friendly to some people who have not paid back in time because of temporary negligence.
3. Different repayment methods. Generally, banks either go directly to the bank or actually receive repayment through bank cards. This repayment method generally has great repayment guarantee. However, the online lending platform is different, and the repayment methods are different, such as corporate repayment, WeChat Alipay transfer, and code scanning payment. These methods have great repayment risks.
4. Credit banks are different from online loans. All banks will affect personal credit as long as they are overdue. Of course, it is not that overdue online loans have no effect on overdue letter collection, but it is not as serious as overdue credit cards. At the same time, for credit cards, online loans can be regarded as the amount of disputes at most, but if it is a bank card, serious criminal disputes can be involved.
5. The annualized interest rate of interest credit cards is relatively stable and reasonable, generally around ten o'clock. However, online loans are different, and the interest rate is relatively high, which is about twice the bank interest rate. It's horrible. Everyone should try to stay away from online loans in their lives. As long as credit cards and loans overdue are used, it will have a bad influence on individuals. Not only have to pay high penalty interest and liquidated damages, but also leave a bad overdue record on credit. If the overdue time exceeds three months, the cardholder will be prosecuted and seriously investigated for criminal responsibility.
legal ground
criminal law
Article 196: In any of the following circumstances, whoever commits credit card fraud, 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 10 and 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 65,000 yuan 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;
(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.
Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management.
Article 6 Any of the following circumstances shall be deemed as criminal law.
Article 196, paragraph 2, stipulates that "for the purpose of illegal possession:
(1) knowing that there is no repayment ability, a large number of overdrafts cannot be repaid;
(two) after the overdraft, it can not be returned;
(3) Escaping after overdraft, changing contact information and evading bank collection;
(4) Withdrawing or transferring funds, concealing property or evading repayment;
(five) the use of overdraft funds for illegal and criminal activities;
(6) Others who illegally occupy funds and refuse to return them are.