And whether you can negotiate with banks is different for each bank. Some banks can, while others can't. The decision is in the hands of the bank, and the bank has the final say.
There are two kinds of prosecutions:
1. Civil prosecution: Although there is no standard amount for credit card overdue prosecution, the bank will not sue you casually, and the cost of prosecution is relatively high, ranging from thousands to tens of thousands. If you are sued, you have no money to pay back, and the bank has to pay lawyer's fees, legal fees and so on, and the losses will be even more.
2. Criminal proceedings: According to the civilized provisions of Article 196 of the Criminal Law, if a bank refuses to return it after three months of overdue effective collection, it can be defined as malicious overdraft, and the amount must be more than 50,000 yuan to be criminally liable.
So you don't have to worry about going to jail if you owe less than 50 thousand, but civil prosecution is still entirely possible.
However, some people have heard another saying: "Going in dozens or hundreds every month means that there is a willingness to repay, but it is not a malicious overdraft, so that you will not be sued by the bank and you will not have to go to jail."
According to the relevant laws and regulations: if the credit card is overdue for more than three months and the amount is more than 50 thousand yuan, it may be identified as credit card fraud, which means that there may be jail time.
For example, if the overdue amount is relatively large, you owe the bank 200,000 yuan, and you pay 100 every month. Can you keep this 200,000 yuan all the time?
Obviously, it is definitely impossible. However, it is better to pay back a little every month than to default completely and not pay a penny. At least you can prove to the bank that you are willing to repay.
But its role is really limited, let alone avoiding being sued or filing a case.
What are the consequences of overdue credit cards?
1, entered the credit card blacklist, and subsequently a series of mortgage and car loans could not be processed.
2. There are overdue fines and high penalty interest.
In the face of bank collection, traffic will be restricted and affected.
4. Repeated collection has the most serious consequences. If the amount is large, the bank will sue, and it will bear criminal responsibility.
The best way after the credit card expires is definitely not to escape. On the contrary, we should respond positively. Even if you can't repay on time because of your own economic situation, you should try to solve the problem as soon as possible.
Wei Xing Sougong Chonghao: Is Xie Cheng's debt settled? Focus on negotiating the overdue suspension of credit card installment.