If the credit card is overdue, the bank will not sue or file a case. If the repayment date is overdue, the overdue bad record will be recorded in the personal credit record. If you don't return it, it will enter the blacklist and affect your personal credit information. As long as you have the repayment action every month, the cost of interest plus late fees after the credit card is overdue is very high, so the interest generated far exceeds your original consumption amount.

1. How to deal with overdue credit cards correctly: If you have no repayment ability in a short time, don't pay it back bit by bit. It is recommended to plan your income and save money. Keep in touch with the bank and show that you are willing to repay.

2. If it is overdue for 1-2 months, you can't negotiate with the bank to exempt interest and liquidated damages. 4. If it is overdue for 3-4 months, the bank may negotiate with you to waive the overdue interest and installment fee. You can explain the future repayment plan, repay according to the installment plan formulated by the bank, maintain a good attitude and strive to make money.

If you owe a large sum of money and it is overdue for a long time, even if you pay a little every month, the bank will still think that you have the purpose of illegal possession and bring a lawsuit to the court. The law raised the standard of malicious overdraft of credit cards from 1 10,000 yuan to 50,000 yuan. If your credit card debt exceeds 50,000 yuan, you should pay attention, and you may be prosecuted and sentenced. Those below 50,000 yuan will not be investigated for criminal responsibility, but they will face other consequences such as collection and blacklisting.

1. Increase the standard of credit card malicious overdraft from the original 1 10,000 yuan to 50,000 yuan. If your credit card debt exceeds 50,000 yuan, you should pay attention, and you may be prosecuted and sentenced. Those below 50,000 yuan will not be investigated for criminal responsibility, but they will face other consequences such as collection and blacklisting.

2. The amount of overdue directly determines the bank's handling plan. If you owe 1 000 yuan, considering that it takes a lot of manpower and time to sue the court, the bank is likely to turn this debt into bad debt after normal telephone collection, or hang it up.

3. However, if the overdue payment exceeds 50,000, legal proceedings will be taken after the collection fails, and you will be sued for repayment. Because more than 50 thousand yuan exceeds the threshold of malicious overdraft, it will be prosecuted for fraud, sentenced to fixed-term imprisonment of not more than five years or criminal detention, and fined not less than 20 thousand yuan but not more than 200 thousand yuan. If the bank fails to repay for more than 3 months after two effective collections, then the bank has the right to sue you to the court for repayment in the name of malicious overdraft at this time. It should be noted that the interval between two collections is at least 30 days. If the bank frequently collects money, it does not meet the requirements.