How long after credit card collection is generally overdue

I Credit card collection How long after overdue?

Generally, it is 7-15 days overdue, and the bank will think it is careless to forget, and will generally use SMS as the main reminder function. Telephone collection is mainly aimed at overdue behaviors that exceed 30 days and more than one billing period. The bank will call to remind the repayment when sending a text message.

The door-to-door collection is mainly for those overdue for more than 90 days, and the bank will arrange the collection personnel to go to the cardholder's residence or work address to make door-to-door collection for repayment. More than half a year Credit card overdue For repayment, the bank will apply to the court to sue the cardholder for repayment. If the repayment is overdue for more than one year, the bank will pack the overdue funds, discount them to the outsourcing collection company, and teach the person in charge to overdue arrears Calls.

2、 What are the legal provisions for overdue credit cards?

1、《 criminal law 》Article 196 In any of the following circumstances, a large amount of credit card fraud shall be punished for not more than five years fixed-term imprisonment or criminal detention And more than 20000 yuan but less than 200000 yuan fine ; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years and shall also be fined not less than 50000 yuan but not more than 500000 yuan; If the amount is especially huge or 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 50000 yuan but not more than 500000 yuan or Confiscation of property ：

(1) Using counterfeit credit cards;

(2) Using an invalid credit card;

(3) Using another person's credit card;

(4) Malicious overdraft.

The malicious overdraft mentioned in the preceding paragraph refers to the act that the cardholder overdraws beyond the specified limit or time limit for the purpose of illegal possession, and still does not return it after being urged by the issuing bank.

2. Article 6 of the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases that Obstruct the Administration of Credit Cards: In any of the following circumstances, it shall be recognized as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196 of the Criminal Law:

(1) A large amount of overdraft, knowing that it is unable to repay;

(2) Those who squander the overdrawn funds wantonly and cannot return them;

(3) Escaping, changing contact information and evading bank collection after overdraft;

(4) Withdrawing or transferring funds, hiding property and evading repayment;

(5) Using overdrawn funds for illegal and criminal activities;

(6) Other acts of illegally occupying funds and refusing to return them.

That's right How long will the overdue credit card be collected Credit cards are the easiest way for consumers to lose their sense of rational consumption. In fact, under normal circumstances, they should not allow credit cards to be overdue. Young people should have a plan in advance for their own income and expenditure, or they will also incur overdue interest charges when being urged by the bank after the deadline. Moreover, since you have used a credit card, you can't give it back if you want to.