Legal subjectivity:

The most important function of a credit card compared to a UnionPay card is that it can borrow money. When you owe money to the bank, the credit card will accumulate interest every year. If you do not repay it, , will accumulate high interest, and will also affect your credit problem in the bank. When the lawyer was helping the bank collect payment, he wrote down the arrears of 50,000 yuan as 2.1 billion. So what was the specific cause of this incident? Ms. Zhong is from Putian, Fujian. She took out the reminder notice from Fuzhou Law Firm and told reporters: "I have sent several reminder notices before. Once for more than 60,000, once for more than 70,000, and later it became 2.1 billion. "Look carefully at Ms. Zhong's reminder notice. It's really scary, with eleven digits. In other words, as of September 7, Ms. Zhong *** owed the bank principal and interest of 2.19999 billion yuan, 0.9999 yuan. One dollar short of that is 2.2 billion. Where did this reminder notice of more than 2.1 billion come from? It turns out that Ms. Zhong did owe the bank money in March this year, but it was only 50,000 yuan. Due to poor business, she failed to repay the loan in time, and several reminders Since then, the tide has lifted all boats, and it once rose to 70,000 in September this year. But even 70,000 is still far from 2.1 billion. Accompanied by reporters, Ms. Zhong found the law firm, and the person in charge of the law firm expressed its attitude towards the mistakes in the reminder letter. This figure of 2.1 billion is due to the law firm's work error. The real amount owed, including principal and interest, is indeed only 70,000 yuan. The law firm formally apologized to Ms. Zhong and said: "I will write a letter later and send it to the village for explanation." Although the nearly 2.2 billion was a mistake, the credit card debt really cannot be delayed! Yes, even a few cents Don’t delay! Otherwise, the media reported in July this year that Mr. Yu, who went to college in Changzhou, overdrafted 60 cents on his credit card when he was in school. The late fees, interest, annual fees and other expenses incurred after 6 years totaled 9267.2 yuan. To make matters worse, he was blacklisted by the bank, which delayed his plans to buy a house. Therefore, you must not default on your credit card debt. The law is objective:

Article 196 of the Criminal Law: Whoever commits credit card fraud in any of the following circumstances and 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 20,000 yuan A fine of not less than 200,000 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 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances , 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: (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) Making a malicious overdraft.