Buy buy, with with, brush brush, every arrive a bit is not aching when brushing card, every arrive reimbursement day is impoverished, helpless, next again him compunction at the outset careless consumption.
This has been the normal in life consumption, whether do you also feel be the same as experience?
Have more very person, credit card exceed the time limit was sued, do not know how to do however.
Prosecution possibility: The word of credit card exceed the time limit, general 3 months above just has the possibility that is sued by the bank.
Relevant code makes clear a regulation, hold calorie of person when credit card successive 3 months cannot repay when lowermost reimbursement specified amount, bank of hairpin of its credit card has the right to forensic to lodge a complaint.
How to if is credit card exceed the time limit sued,do? Not confused, so do
1
Clear sue property
If know oneself are sued by the bank, understand what the bank starts to whether be criminal lawsuit above all.
" criminal law " the 196th specific provision: Ill will overdraws 5000 yuan of above make credit card credit card crime of fraud, the likelihood is sentenced 3 years of the following set term of imprisonments.
Ill will overdraws 50 thousand yuan reach 200 thousand yuan between attribute number tremendous, the likelihood is sentenced 5 years to come 10 years set term of imprisonment.
200 thousand yuan of above attribute number particularly tremendous, term of imprisonment is in 10 years of above.
Ill will overdraws is to show the person that hold card is a purpose with detinue, set limit more than or time limit overdraws, more than 3 months after and classics hairpin bank is urged twice closing still do not remand.
Whether to overdraw for ill will, this is the subjective consciousness of the person that hold card, the bank also can consume a circumstance according to yours, overdraw frequency and forehead are spent will decide whether to overdraw for ill will.
Below normal circumstance, the bank prosecutes the person that hold card is sue with general and civil dispute.
2
Reimbursement is harmonious
Lawsuit of criminal of and rather than of general and civil dispute, the condition allows to fall, start all way, sum reimbursement, capital, cost of exceed the time limit, fine for delaying payment and corresponding accrual still are over along with all the others.
The bank is sued also is to want to let its reimbursement only, good gracious still be over to do not have a thing basically.
Conditional unallowed circumstance suggests to talk things over with the bank, show to the bank oneself are located without reimbursement ability and oneself circumstance, application in installment or lowermost reimbursement specified amount.
The reimbursement that expresses oneself to the bank plans and put into practice.
Let a bank see your sincerity only, talk things over with the bank reconcile, nolle prosequi or accrual of derate exceed the time limit also is possible.
What the bank wants is reimbursement, this is a real problem.
3
Should appeal to actively
Below the case that negotiates to also fail without money reimbursement and bank, should accuse ability is to go up actively chosen plan.
Average civil issue does not want too nervous, cooperate actively, await a court adjudge.
The wrongest choice is " break couplet " because although you do not appear in court, the court is OK also judgment by default.
If by qualitative for criminal responsibility, what should face next is the order circularly the arrest of a criminal at large of door of the Ministry of Public Security.
4
Make clear sincere letter
Here involves the case that overdraws to an ill will, ill will overdraws is special not the behavior of sincere letter.
The most important to credit card exceed the time limit is to prove he is not ill will to overdraw, one but be maintained to be ill will overdraws, this is lawsuit of meeting ascendant criminal.
If factual itself is baleful,overdraw, that should be not talked additionally.
Should show oneself are the person of sincere letter in whole process, answer actively, cooperate actively. Avoid to appear ultra behavior.
A simple civil issue, won't sin, also won't be imprisoned.
Although credit card is good, also do not want excessive spending, bring about exceed the time limit to be sued even. Actuation temporarily, of the influence is the person all round his credence and identity.
