Civil cases are mainly based on the contract, and may be sued on the date of credit card repayment. Generally, a third party will be entrusted to collect the debt, and the customer service department of the Credit Card Center will call and text the debt within 30 days, and the collection department will call, text and e-mail the debt for more than 30 days and 90 days, and the bank will inform you.
主要是根据信用卡合同的约定，在信用卡还款之日就有可能被起诉。但相应的银行一般都是下面操作的，30 天内由信用卡中心客服部门电话、短信催还，30 天以上 90 天以内由催收部门多次电话、短信、邮件等方式催收。90 天以上的，银行一般会移交法务部门处理，前期处理一般是以律师函、电话催收，后期就会准备诉讼材料移交给相应的法院进行起诉。
Mainly according to the agreement of credit card contract, it is possible to be sued on the date of credit card repayment. But the corresponding bank is generally the following operation, within 30 days by the credit card center customer service department telephone, SMS reminder, more than 30 days within 90 days by the collection department multiple telephone, SMS, e-mail collection. If it takes more than 90 days, the bank will generally transfer it to the legal department for processing. In the early stage, it will generally collect the legal documents by letter or telephone, and in the later stage, it will prepare the litigation materials and transfer them to the corresponding court for prosecution.
同时，我们国家《刑法》也规定，持卡人以非法占有为目的，超过规定限额或者规定期限透支、并且经发卡银行两次催收后超过 3 个月仍不归还的，应当认定刑法第一百九十六条规定的恶意透支，也就是我们所说的信用卡诈骗罪。
At the same time, our country’s “criminal law” also stipulates that, for the purpose of illegal possession, if the cardholder overdrafts beyond the specified limit or time limit, and still does not return it more than three months after the card issuing bank’s twice collection, the malicious overdraft stipulated in Article 196 of the criminal law should be recognized, which is what we call the crime of credit card fraud.
If the credit card is overdue for more than three months, it may be sued. But if you owe a small amount of money, or because of the annual fee arrears and other reasons, the bank generally will not sue, will only urge. 5000 yuan is not a large amount, but the high interest of the bank will keep rising. When it reaches a certain amount, the bank will meet with you in court.
如果你欠的卡债在经历银行屡次催讨后，反而不向你催款了，那银行可能已起诉到法院了。进入司法程序后，银行对这笔债务已列入坏账损失，不再去追究了，但是对于持卡人来说，则将面临牢狱之灾。根据中国的法律，欠款 5000 元以上经过催讨未还则属于恶意透支，会列入信用卡诈骗黑名单。
If the card debt you owe is not collected from you after being repeatedly collected by the bank, the bank may have sued the court. After entering the judicial process, the bank has included the debt in the bad debt loss, and will no longer pursue it, but for the cardholders, they will face the disaster of imprisonment. According to China’s law, arrears of more than 5000 yuan are malicious overdrafts and will be included in the blacklist of credit card fraud.
It’s not bluffing that the overdue credit card will go to jail seriously. There are relevant laws and regulations. Once the user is identified as malicious overdraft, it may constitute the crime of credit card fraud and eventually lead to the consequences of imprisonment.
根据规定，只要用户信用卡逾期超过 3 个月，逾期期间银行对用户进行了最少 2 次有效催收，用户仍然不还款的就属于恶意透支，银行便有权对逾期持卡人进行起诉，一旦起诉立案，法院会根据逾期用户的严重性进行对应的判决。
According to the regulations, as long as the user’s credit card is overdue for more than three months, the bank has effectively collected the user at least twice during the overdue period, and if the user still fails to repay, it is a malicious overdraft. The bank has the right to sue the overdue cardholder. Once the lawsuit is filed, the court will make a corresponding judgment according to the seriousness of the overdue user.
Although the credit card is likely to be jailed as long as it constitutes a malicious overdraft, whether it will be jailed in the end mainly depends on whether the bank will sue itself. Once it is sued, it will be very dangerous. Therefore, if the credit card is overdue, the user must deal with his overdue before the bank prosecutes him, so as to avoid the disaster of imprisonment.
Generally, in order to avoid the bank suing itself, users must actively contact the bank to deal with the problem after overdue, and do not escape. Users can apply for extension or installment repayment. Generally, as long as the user has the attitude and practical action of repayment, the bank will not sue the overdue user.
虽然用户只要在处理自己的逾期还款，银行一般不会对其进行起诉，但是用户一旦逾期，征信不良记录是一定会产生的，因此用户如果后期想要保证自己的征信记录，只能按照要求还清欠款后，后期不出现任何逾期还款的情况，一般 2 年时间不良征信记录便会从征信报告中消失，5 年便会从征信系统中消失。
Although as long as the user is dealing with his overdue repayment, the bank will not sue him, but once the user is overdue, bad credit records will certainly occur. Therefore, if the user wants to ensure his credit records in the later period, he can only pay off the debt according to the requirements, and there will be no overdue repayment in the later period. Generally speaking, 2 The bad credit records will disappear from the credit report within one year, and disappear from the credit system within five years.