There is no doubt that there are overdue records in th
There is no doubt that there are overdue records in the credit information, which will affect your future loan to buy a house. But that doesn't mean you can't buy a house in the future. Are you worried that you won't be able to buy a house as long as you make a comeback? If you have to borrow money, the bad things will be eliminated automatically after 5 years, and you can also borrow money. So don't entangle, the more entangled, the more tired!
second, will the overdue credit card be prosecuted?
after the credit card is overdue, there are two kinds of bank prosecutions, one is civil litigation and the other is criminal litigation. In real life, criminal prosecution is rare. As long as you filled in the real information when applying for a credit card, you haven't lost contact after the deadline, and you are willing to repay, you will basically not be put in prison. The bank just wants to collect the arrears and doesn't want to do that.
there is no limit on the amount and time of overdue in civil litigation, but banks will not sue easily, and prosecution will cost money. If you sue, there is still no money to pay back, and the bank will have to pay its own lawyer's fees, legal fees, etc., and the losses will be even more. Therefore, banks are more willing to recover the arrears through collection, and the amount of arrears is relatively large, so they must not sue cardholders. The time for prosecution is usually three months later. As for the specific time, there is no fixed time. The most serious consequence of civil litigation is nothing more than enforcement, entering the list of people who have lost their trust and restricting high consumption.
if you are sued, you will receive a summons with the seal of the court, which shows the specific time and place of the court session. After being sued, the debt can be paid off in time, which will have no other influence on the cardholder. At most, it is an extra payment for court proceedings. If it is really impossible to repay, go to court as far as possible, because the court usually organizes an opportunity for out-of-court mediation before the court session, so it is possible to reach a settlement with the bank or repay the arrears in installments.
if out-of-court mediation fails, or the cardholder fails to appear in court, the bank will surely win the case. The result of the court's decision is basically to repay all the arrears in one lump sum. This time won't be too long, usually half a month or a month. If it is still unavailable after this time, after the bank applies to the court for compulsory execution, and there is no property available for execution, it will be included in the list of people who have lost their trust by the court, with a limit of three highs. After the subsequent money is paid off, let the bank issue a settlement certificate and apply to the court for cancellation of enforcement. After cancellation, there will be no other impact.
under special circumstances, you can click the consultation button on the right. Provide professional lawyers to answer questions, help you solve the repayment problem and let you return to your normal life.