Question: Hello sir, I have an overdue credit card issue here. Now CCB has deactivated the credit card and said it will sue through judicial authorities. My friend later called CCB to ask them. I understand once and hope that I can go through normal repayment channels and not go through the judicial authorities. They have disagreed and threatened a five-year prison sentence. Is there any way to remedy the situation?

Answer: Juntong Legal Online Consulting will give you an answer to the identification of credit card fraud: 1. Using a forged credit card, or using a credit card fraudulently obtained with false identification; 2. Using Canceled credit card; 3. Pretending to use other people’s credit cards; 4. Malicious overdraft. "Malicious overdraft" as stipulated in this article refers to the cardholder's overdraft exceeding the prescribed limit or prescribed period for the purpose of illegal possession, and the card-issuing bank still fails to return the amount for more than three months after being called upon twice by the card-issuing bank. As for the purpose for which your credit card money is used, it does not affect the composition of the crime. The identification of credit card fraud is: 1. Using a forged credit card, or using a credit card fraudulently obtained with false identification; 2. Using an expired credit card; 3. Pretending to use another person's credit card; 4. Malicious overdraft. "Malicious overdraft" as stipulated in this article refers to the cardholder's overdraft exceeding the prescribed limit or prescribed period for the purpose of illegal possession, and the card-issuing bank still fails to return the amount for more than three months after being called upon twice by the card-issuing bank. As for the purpose for which your credit card money is used, it does not affect the composition of the crime. The identification of credit card fraud is: 1. Using a forged credit card, or using a credit card fraudulently obtained with false identification; 2. Using an expired credit card; 3. Pretending to use another person's credit card; 4. Malicious overdraft. "Malicious overdraft" as stipulated in this article refers to the cardholder's overdraft exceeding the prescribed limit or prescribed period for the purpose of illegal possession, and the card-issuing bank still fails to return the amount for more than three months after being called upon twice by the card-issuing bank. As for the purpose for which your credit card money is used, it does not affect the composition of the crime. The identification of credit card fraud is: 1. Using a forged credit card, or using a credit card fraudulently obtained with false identification; 2. Using an expired credit card; 3. Pretending to use another person's credit card; 4. Malicious overdraft. "Malicious overdraft" as stipulated in this article refers to the cardholder's overdraft exceeding the prescribed limit or prescribed period for the purpose of illegal possession, and the card-issuing bank still fails to return the amount for more than three months after being called upon twice by the card-issuing bank. As for the purpose for which your credit card money is used, it does not affect the composition of the crime. The identification of credit card fraud is: 1. Using a forged credit card, or using a credit card fraudulently obtained with false identification; 2. Using an expired credit card; 3. Pretending to use another person's credit card; 4. Malicious overdraft. "Malicious overdraft" as stipulated in this article refers to the cardholder's overdraft exceeding the prescribed limit or prescribed period for the purpose of illegal possession, and the card-issuing bank still fails to return the amount for more than three months after being called upon twice by the card-issuing bank. As for the purpose for which your credit card money is used, it does not affect the composition of the crime. The identification of credit card fraud is: 1. Using a forged credit card, or using a credit card fraudulently obtained with false identification; 2. Using an expired credit card; 3. Pretending to use another person's credit card; 4. Malicious overdraft. "Malicious overdraft" as stipulated in this article refers to the cardholder's overdraft exceeding the prescribed limit or prescribed period for the purpose of illegal possession, and the card-issuing bank still fails to return the amount for more than three months after being called upon twice by the card-issuing bank. As for the purpose for which your credit card money is used, it does not affect the composition of the crime. The identification of credit card fraud is: 1. Using a forged credit card, or using a credit card fraudulently obtained with false identification; 2. Using an expired credit card; 3. Pretending to use another person's credit card; 4. Malicious overdraft. "Malicious overdraft" as stipulated in this article refers to the cardholder's overdraft exceeding the prescribed limit or prescribed period for the purpose of illegal possession, and the card-issuing bank still fails to return the amount for more than three months after being called upon twice by the card-issuing bank. As for the purpose for which your credit card money is used, it does not affect the composition of the crime.