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刷信用卡预期后果
释义
法律分析:刷信用卡预期后果如下:
1、产生违约金,一般是最低还款额,未还部分的5%;
2、逾期会让信用记录产生污点,导致今后2年内买房、贷款等金融需求不能办理;
3、逾期超过3个月没还,且金额超过1万,银行多次催款未果,到时候需要承担的除了还清债务,还可能承担刑事责任。
法律依据:《中华人民共和国中国人民银行法》第二十八条 中国人民银行根据执行货币政策的需要,可以决定对商业银行贷款的数额、期限、利率和方式,但贷款的期限不得超过一年。
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更新时间:2025/5/10 10:26:19