True story: I went to jail because of my credit card
Nowadays, many people have credit cards. Recently, credit cards have caused a lot of controversy on the Internet. Some people say that they should never apply for a credit card, and some people say that they should never apply for a credit card. Jailed for credit card.
Many card friends do not believe that credit cards can really put people in jail, so today we will take a look at the cases of credit card jails.
Credit card imprisonment case:
Li, a man from Guangxi, holds an Agricultural Bank of China credit card. Li used the Agricultural Bank of China credit card to withdraw cash at ATMs and pay with credit cards, totaling 54,412 yuan. In the end, he was found guilty of excessive Consumption without being able to repay.
In order to avoid debt, Li changed his mobile phone number and fled to other places to work. As a result, the Agricultural Bank of China has been unable to contact the cardholder. After repeated debt collection efforts by the bank to no avail, the Agricultural Bank of China chose Report the crime.
It was not until December 2018 that Li paid back the overdraft arrears, liquidated damages, and interest.
Although Li finally paid back the debt, because his behavior had involved credit card fraud, Li was eventually sentenced by the court to one year and nine months in prison for credit card fraud, suspended for two years, and A fine of 20,000 yuan is imposed.
It can be seen from the above cases that Li from Guangxi committed the crime of credit card fraud because of malicious overdraft.
Credit card holders know that they do not have the ability to repay, but still overdraft a lot of money, which eventually leads to overdue payment. When the card holder is overdue for 3 months and still refuses to repay the loan after being called upon by the bank twice, then The bank can then sue the cardholder for malicious overdraft.
If the cardholder's overdue amount reaches 50,000 yuan, the cardholder will commit credit card fraud due to malicious overdue payment and will be sentenced by the court to bear criminal liability.
Therefore, if the cardholder is overdue, in order to avoid committing the crime of credit card fraud, the cardholder must not avoid bank collection. If there is difficulty in repayment, he can repay part of the debt every month, even if The monthly repayment is only 100 yuan. As long as the cardholder is repaying the card, the bank will not sue the cardholder easily.
It is recommended to contact the bank proactively and inform the bank of its own situation and willingness to repay. It is best to negotiate repayment with the bank. In addition, credit card users should pay attention to controlling their overdue amount below 50,000 yuan.