If the bank has reported the case, the public security organ will generally summon the cardholder to urge repayment within one week, or directly detain the suspect.
1. It is a breach of contract not to repay after the credit card is overdrawn. The bank may require the cardholder to repay the principal, overdue interest, late payment fee and over-limit fee, etc. If the bank sues the court and wins, the cardholder will also bear the litigation costs.
2. Secondly, if the cardholder maliciously overdraws a certain amount for the purpose of illegal possession and fails to pay it back within the time limit, it will also bear criminal responsibility. (overdue 10000 yuan or more, overdue for more than 3 months and still not returned by the issuing bank twice, suspected of credit card fraud).
3. Finally, overdue repayment will leave a bad credit record for the cardholder, which will affect the smooth progress of the cardholder's future loan.
Extended data
1. Card collection can be divided into internal collection and outsourcing collection. Internal collection usually refers to customers who are overdue for more than three months. Generally, the customer service department of the bank (M0 period), the electricity fee collection department (M 1, 2 period) or the offices of various business outlets (M3 period) make reminders!
2. Entrusted collection mainly means that the credit card center entrusts some companies (some of which are law firms) specializing in collection industry to collect some customers who are difficult to handle, have problems, lose contact or have a small amount after internal collection fails.
It is from the second day of the last payment date to the next billing date. During this period, the bank records are hardly damaged, but late fees and full interest will be charged. During this period, banks generally don't call for money, but remind them to exceed the repayment period through SMS platform or telephone.
4. It is the continuation of M0 period, that is, between the second unpaid billing date and the last repayment date of the second bill, the credit record will be uploaded to the credit information system of the People's Bank of China, which is likely to affect problems such as house purchase loans or credit loans, and at the same time, late fees will be charged. If it is before the second payment date, only one late payment fee will be charged.
5. Otherwise, it will be charged twice, and the interest will be compounded according to the amount owed in the current period! At this time, the bank will generally remind large customers, that is, the collection staff of the collection department of the credit card center will call to remind the repayment! Some banks don't charge money during this period, in order to earn more late fees and interest.
6. It is the continuation of M 1, that is, between the third billing date and the last payment date of the third bill, the credit record of the banking industry will have a great impact, which will have a great impact on the loans and job hunting of larger enterprises in the future. A late fee will be charged, and if it is before the third payment date, a second late fee will be charged.
7. Otherwise, the interest will be compounded according to the current arrears! At this time, banks will generally use the method of urging repayment, and the relevant collection personnel will call to inform them of the impact of credit records, and they will contact relatives and friends of the debtor to help remind them of repayment. Some banks have a tough collection, and even some collectors pretend to be relevant lawyers to put pressure on debtors, but some banks have a lighter collection, so they only collect at this time!
References:
Baidu Encyclopedia-Credit Card Collection