If you don't pay back your credit card, you won't go to jail. If you owe 5000 yuan, you will be investigated for criminal responsibility. Only when the credit card is overdrawn maliciously, a large amount of behavior constitutes a credit card crime. Among them, malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. A large amount means more than 5000 to 50000 yuan. Therefore, overdraft credit card does not necessarily constitute a crime. However, those who maliciously overdraw their credit cards for the purpose of illegal possession and the amount reaches 5,000 yuan shall be investigated for criminal responsibility according to law.
Criminal law of the people's Republic of China
Article 196
If one of the following circumstances constitutes a credit card crime, and the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; 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 ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;
(2) Using an invalid credit card;
(3) Fraudulent use of another person's credit card;
(4) malicious overdraft.
How much credit card debt will go to jail?
According to the current regulations, the principal owed by the credit card exceeds 1 ten thousand yuan. If the bank fails to return it for more than 3 months after two collections, it constitutes a credit card crime and should bear criminal responsibility. The legal basis is as follows:
Interpretation of the Supreme People's and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management.
Article 6 If a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than three months after being repeatedly urged by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.
In any of the following circumstances, it shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196th of the Criminal Law:
(a) knowing that there is no repayment ability and a large amount of overdraft can not be returned;
(two) squandering overdraft funds, unable to return;
(3) Escape after overdraft, change contact information and avoid bank collection.
(4) evading or transferring funds, concealing property or evading repayment;
(five) the use of overdraft funds for illegal and criminal activities;
(six) other acts of illegal possession of funds and refusal to return them.
Malicious overdraft, the amount of which is more than 6,543.8+0,000 yuan but less than 6,543.8+0,000 yuan, shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 654.38+10,000 yuan and less than 1 10,000 yuan, it shall be deemed as "huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 6,543.8+0,000 yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.
How much credit card arrears will be sentenced.
You will go to jail if you owe more than 10 thousand yuan on your credit card
For the purpose of illegal possession, if the cardholder fails to return it after two times of collection by the issuing bank for more than a month, it is deemed as intentional overdraft, and if the amount is more than 1 10,000 yuan, it is suspected of credit card crime, and criminal responsibility can be investigated. However, if the circumstances of actively repaying all the arrears are obviously minor, the punishment may be mitigated or the criminal responsibility may be exempted.
If you are in arrears with your credit card for a long time, the bank will think that you owe money maliciously, and if you don't repay it for many months in a row, it will be judged as malicious arrears by the bank. Credit records can also be very bad. If it is serious, it will be sentenced.
Exceeding the prescribed limit or overdrawing within the prescribed time limit, and failing to pay it back for more than three months after being urged twice by the issuing bank, is a malicious overdraft and a credit card crime.
The criminal law stipulates that a malicious overdraft of more than 5,000 yuan on a credit card constitutes a credit card crime and can be sentenced to fixed-term imprisonment of not more than 3 years; Malicious overdraft of 50,000 yuan to 200,000 yuan is huge, and may be sentenced to 5 years to 10 years; More than 200,000 yuan is a huge amount, and the sentence exceeds 10 years.
Relevant laws and regulations: Article 196 of the Criminal Law of People's Republic of China (PRC): Whoever engages in credit card activities in any of the following circumstances, with a relatively large amount, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 300,000 yuan. If the amount is huge or there are other serious circumstances, a fine of not less than five years but not more than 50,000 yuan but not more than 500,000 yuan shall be imposed. If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or a fine of not less than 50,000 yuan but not more than 500,000 yuan.
The following acts will violate the law:
1. Use a forged credit card, or use a credit card fraudulently obtained with a false identity;
2. Use an invalid credit card;
3. Fraudulent use of other people's credit cards;
4. Malicious overdraft. I hope everyone will be strict with themselves, don't be lazy, and be good law-abiding citizens.
Will credit card arrears exceed 50 thousand be sentenced to jail?
You may go to jail if you owe 50 thousand on your credit card. If the credit card holder fails to repay the loan after being urged twice by the bank, then the bank has the right to recover from the cardholder. If the overdue amount of the cardholder reaches 50,000 yuan, once the cardholder is judged as malicious overdraft, the overdue user will bear criminal responsibility and may go to jail. Conditions for malicious overdraft of credit card to constitute a crime.
Credit card overdue will also affect the user's network black index score, if the network black index score is too low. The sub-scale of Cyberblack Index is 0- 100. The higher the score, the better the credit. When the score is less than 40, it belongs to the blacklist of online loans. The low score of the Internet Black Index will not only affect the success rate of online lending, but also affect the user's flower beds and loan amount, and even lead to the closure of flower beds and loans.
The impact of the blacklist of online loans on individuals is to apply for new loans, which is difficult to approve again. Although online lending is very convenient now, we must spend rationally, pay attention to repayment on time, and maintain our credit record. Long-term application for online loans must pay attention to your own online loan big data to prevent it from becoming a blacklist of online loans because of blind application.
Just search: quick card test. Find this WeChat applet, click Query and enter information to find your own 100-line credit data, which come from online lending platforms and UnionPay all over the country. Users can query their own big data and credit status, obtain various index data, and find their own personal credit status, blacklist, online loan application record, application platform type, online loan credit limit estimation and other important data information.
Compared with the central bank's personal credit report, online lending big data has a wider scope and more diverse institutions. It is a part of personal credit records and a useful supplement to the traditional personal credit report.
How many credit cards you owe you will go to jail.
More than ten thousand yuan. If the credit card maliciously overdraws the credit card 1 10,000 yuan, and the cardholder fails to return it for more than 3 months for the purpose of illegal possession, he shall be investigated for criminal responsibility for the crime of credit card.
How much does the credit card owe you and you will go to jail?
If the credit card debt reaches 10 thousand yuan, which belongs to malicious overdraft, the public security organ shall file a case for prosecution. Malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and has not returned it for more than three months after repeated collection by the issuing bank.
According to the first paragraph of Article 196 of the Criminal Law, anyone who engages in credit card activities in any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; 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 ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;
(2) Using an invalid credit card;
(3) Fraudulent use of another person's credit card;
(4) malicious overdraft.
legal ground
Article 196 of the criminal law
Under any of the following circumstances, those who engage in credit card activities with a relatively large amount shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; 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 ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;
(2) Using an invalid credit card;
(3) Fraudulent use of another person's credit card;
(4) malicious overdraft.
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This is the end of the introduction about how much you owe a credit card and how much you will go to jail. I wonder if you found the information you need from it?