If someone else uses his credit card to spend money and doesn't pay back the money, it is recommended to pay back the credit card debt first and then ask the other party for money. If the credit card is not returned, the bank will hold the cardholder responsible. If it is overdue, it will cause high interest and credit problems.
Negative information such as 1. overdue repayment is not always recorded in personal credit report. At present, China's credit record has been maintained for five years. After paying off the credit card debt, anyone can start building a credit record again and start again.
2. Whether it constitutes a criminal offence and whether you will go to jail depends not only on the time of arrears, but also on the principal amount of credit card arrears.
3. If the amount of principal owed reaches 1 10,000 yuan or more, and it is still not returned after being collected by the issuing bank for more than three months twice, it shall be deemed as "malicious overdraft" in the criminal law, and it shall be punished with fixed-term imprisonment of not more than five years or criminal detention according to law, and a fine of not less than 20,000 yuan but not more than 200,000 yuan.
4. Negative information such as frozen credit cards and overdue repayment will be recorded in the personal credit report.
5. If the amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law.
: What if the credit card is overdue?
Credit card overdue 1-3 days or so will be reported lost. At present, banks have different degrees of grace period for credit card repayment. As long as the repayment is made within the grace period, the overdue record will not be reported to the central bank, nor will it cause overdue.
How to negotiate repayment with the bank when the credit card is overdue?
It should be said that the use of credit cards for consumption has become a very common phenomenon. Mainly, credit cards can be used first and then returned, which meets the urgent needs of many people. And there are almost no consumption restrictions, as long as the repayment date is timely. But in fact, for a large part of people, there is no ability to repay in time after consumption, so there will be overdue.
Because credit cards are linked to personal credit information, once they are overdue, it will easily affect personal credit information and have some bad effects. Therefore, in the case of overdue credit cards, and in order to avoid personal credit problems, the most important way to deal with them is definitely to negotiate and communicate with banks.