Credit card arrears for more than a year, can not afford. Can the bank sue my family and move my account?

Credit card bills cannot be repaid, and families will not be affected by bank litigation.

If the credit card debt exceeds 1 10,000, it meets the conditions for filing a criminal case. When the bank brings a civil lawsuit and asks the court to order repayment, the defendant should actively cooperate to repay as soon as possible or reach a mediation agreement with the bank to avoid leaving a bad credit record for himself. As for the family relocation during the litigation, there is no legal restriction, and it will not be affected unless the defendant enters or leaves the country or emigrates.

Extended data:

The first consequence: affecting personal credit information.

Now it is a credit society, and personal credit investigation is very important for a person. If personal credit information is tainted, it is basically impossible to buy a house and a car with a loan in the future. First of all, one thing needs to be clear, that is, if the credit card owes money and does not pay it back, it will definitely have a serious impact on credit reporting.

In the old version of the central bank's credit report, bad records were kept for 5 years and good records were kept for 2 years. The new version of the credit report, personal credit report shows "5-year repayment record". And in the future, everyone's monthly repayment records and breach of contract will be reflected in the report in detail. Therefore, you must not owe money, or you will go to the central bank's credit information system, which will affect the loan to buy a house and a car in the future. If the circumstances are serious, you will be restricted from traveling and unable to buy air tickets or train tickets.

The second consequence: if the circumstances are serious, it may constitute a crime.

First of all, I want to explain a term here, that is, what is a malicious overdraft of credit cards. The so-called malicious overdraft means that for the purpose of illegal possession, you overdraw beyond the prescribed limit, and the bank urges you to repay twice, and you have not returned the money to the bank for more than 3 months. Banks will adopt different collection methods according to different situations. Of course, banks are legal institutions, so their collection methods must be legal.

In order to give you enough repayment time, the bank will provide repayment "time tolerance" service and increase repayment tips every month. Generally, overdue credit cards do not constitute a crime. However, if it constitutes a crime of credit card fraud, then you need to bear legal responsibility. If the circumstances are serious, they may also face the risk of imprisonment.