Hubei Ganyi Law Firm was established on 202 1, and is committed to becoming the most trustworthy and respected boutique law firm in the field of dispute resolution in Central China. Since its establishment, Cognac has always adhered to the concept of "digitalization, quality and characteristics", followed the development strategy of "dispute resolution guarantees fairness and pursues efficiency", focused on the "small but beautiful" legal service market, and provided customers with the four-in-one whole-process service of "compliance management+litigation+execution+bankruptcy" with the core of commercial dispute resolution, so as to protect the legitimate rights and interests of customers to the maximum extent. Located in Vanke Center of Wuhan Optics Valley, Ganyi adheres to the values of concentration, perfection, innovation and openness, and provides customers with legal services with consistent quality with multi-level personnel training, standardized professional processes and unified digital management system.
Cognac has a professional team of lawyers. Lawyer Gan Yi has a professional education background and professional training experience in well-known universities at home and abroad. In addition, many lawyers have professional qualifications such as certified public accountants, tax agents, economists and patent agents to help clients cope with increasingly complex business challenges. Ganyi is committed to brand building, with an international perspective as a forward-looking and giving full play to local advantages. * * * There are securities legal affairs department, insurance legal affairs department, bank legal affairs department, corporate legal affairs department, intellectual property legal affairs department, government legal affairs department, civil and commercial legal affairs department, criminal legal affairs department and other business departments. To provide customers with professional, high-quality and efficient commercial legal services in multiple dimensions.
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First, overdue credit cards may not necessarily lead to jail, depending on the reasons and amount of overdue. Generally speaking, the consequences of overdue credit card debt are as follows:
1. will produce bad credit records, which will affect personal credit and future credit business, such as loans, car loans, mortgages and handling other businesses. And it will also affect individuals to handle credit card business in other banks.
2. Overdue repayment will generate interest and late fees. If the arrears are too long, there will be high interest and late fees. Therefore, if individuals are unable to repay, they should actively think of various ways to repay, so as to avoid the longer the delay, the higher the interest and late fees.
3. If the repayment is overdue for more than half a year, the bank may bring a civil lawsuit to the court and demand compulsory repayment.
4. If it is a malicious overdraft and refuses to repay, the large amount may involve the crime of credit card fraud and need to bear criminal responsibility. You may go to prison at this time.
Specifically, it should be clear that there are the following elements that constitute malicious overdraft:
(1) The cardholder aims at illegal possession;
(2) Exceeding the prescribed limit or overdrawing within the prescribed time limit;
(3) It has not been returned after collection by the issuing bank.
In this case, it will be considered as malicious overdraft, and the larger amount will be investigated for criminal responsibility:
(1) If the amount is relatively large, that is, 1 10,000-1 10,000: be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and be fined not less than 20,000 yuan but not more than 200,000 yuan;
(2) If the amount is huge, that is, 65,438+10,000-/kloc-0,000, 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;
(3) If the amount is especially huge, that is, more than 654.38+00,000 yuan, or if 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 his property shall be confiscated.
Therefore, if the consequences of overdue credit cards are not handled properly, the consequences will be very serious, so when you find yourself unable to repay, you should call customer service as soon as possible to negotiate to postpone repayment or pay the minimum repayment amount. If you are prosecuted by the bank for a long time, it involves criminal offences and may even go to jail. You can consult a professional lawyer and get more professional and specific help.