1. What will the bank do if the credit card is overdue for three years?
1. When the amount is large, the bank will gene
1. What will the bank do if the credit card is overdue for three years?
1. When the amount is large, the bank will generally collect materials, hire relevant lawyers, and solve your arrears through court proceedings. You don't have to live in the shadow of prosecution all the time, because you are worried that your overdue credit card will be sued by the bank. Because the bank is not so free, it depends on whether your bill can be sued by the bank.
2. When the amount does not meet the prosecution standard, the bank generally urges the user to pay off the arrears only by sending text messages or making phone calls, and does not regularly check whether the repayment bank bound by the user has funds. If there are funds, the arrears will be deducted automatically. If the customer keeps refusing to answer the phone, the bank will call the emergency contact to ask about the situation.
2. Can I negotiate repayment with the bank if my credit card is overdue for three years?
1. If the credit card is overdue for three years, the user indicates the repayment intention to the bank and can try to negotiate repayment with the bank. Generally speaking, banks still have to collect debts. As long as users are willing to repay, they are likely to agree to negotiate repayment. However, if the user is often overdue or is deemed to be maliciously overdue by the bank, the bank will not agree to negotiate repayment.
When the debtor has the ability to repay, the bank certainly welcomes you to communicate with the bank to repay, but the bank is willing to recover the arrears. After all, banks also want less and less bad debts. After repayment, the bad debt record will be automatically eliminated after 5 years of repayment.
3. Will you go to jail if your credit card is overdue for three years?
1. When the credit card is overdue for more than 3 months and the debt exceeds the credit card prosecution standard, it will face civil liability. If the debt exceeds 50,000 yuan, once it is deemed as malicious overdraft, the bank will sue the cardholder for criminal responsibility and will be imprisoned.
2. According to the legal definition, if the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than three months after being collected twice by the issuing bank, legal measures should be taken. However, as long as you can voluntarily return a part every month, you won't be prosecuted or even jailed.
If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication cases and make detailed and targeted answers for you, so as to avoid incorrect answers due to incomplete information and poor communication. I wish the rights protection success.