刷信用卡预期后果-银行贷款法律援助-法律咨询免费平台-国际律师联盟

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问题	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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