1. How many years will be sentenced for credit card debt?

1. If the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be sentenced to two years in prison. A fine of not less than 10,000 yuan but not more than 200,000 yuan;

2. If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan. ;

3. If the amount is extremely huge or there are other particularly serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have property confiscated.

2. What are the standards for prosecuting credit card fraud

(1) If forged credit cards are used to commit fraud, and the cumulative amount reaches more than 5,000 yuan, a case shall be filed. So-called "fake credit cards." It refers to a counterfeit credit card that imitates the style, pattern, and color of a credit card and is illegally manufactured by printing, drawing, photocopying, or other methods to pass it off as a real credit card. The so-called "use". It refers to the act of using counterfeit credit cards to defraud other people’s property for the purpose of illegally possessing other people’s property, including using counterfeit credit cards to purchase goods, withdrawing cash, and using counterfeit credit cards to accept various services such as credit card payment and settlement.

(2) If a invalid credit card is used to commit fraud, and the cumulative amount reaches more than 5,000 yuan, a case shall be filed. The so-called "voided credit card" refers to expired credit cards that can no longer be used, invalid credit cards, letters of credit that have been declared invalid according to law, and credit cards where the cardholder stopped using the credit card midway during the validity period and returned it to the issuing bank. .

(3) Pretending to use other people’s credit cards to commit fraud. If the cumulative amount reaches more than 5,000 yuan, a case shall be filed. According to my country's relevant credit card regulations, credit cards are limited to the legal cardholder's personal use and may not be lent or transferred. The so-called "impersonation" refers to the act of illegally using other people's credit cards as the cardholder to defraud public and private property.

3. What to do if the credit card has expired

1. It is best to continue to use this card.

After it expires, the best way is to continue to use this card. For a card, the original negative record will be overwritten with a new normal repayment record. Generally, a new credit record will be generated after 24 months, so that personal credit, etc. will not be affected after the record is refreshed.

2. Don’t run away.

If you are overdue for a long time, your credit card will charge compound interest and there will be high late payment fees. If you run away, the bank will consider it a malicious overdraft and will call the police.

3. Inability to repay must be explained in time

If you are unable to repay on time due to unemployment or illness, state your financial situation before the final repayment deadline and declare that you are not malicious If you owe money, you can apply for delayed repayment and interest discounts.

4. It is best to repay in full and explain

If you forget to repay due to usual carelessness, and you find that it is overdue, you must repay in full as soon as possible, preferably in full. , because after full repayment, you have the best chance of winning if you call the bank to explain that the debt is not malicious and request to eliminate the overdue record.

Credit card purchases must be repaid on time. Once overdue, it will affect personal credit. Future applications for loans from banks will be rejected. If the overdue time exceeds three months , the bank collects the card holder and fails to repay, then the bank will initiate judicial proceedings. Once the card holder is found to have malicious overdraft, he will be sentenced.