Is the credit card filing based on the principal?
Credit card filing depends on the principal, excluding compound interest. When handling credit card fraud cases, public security organs and procuratorates confirm the crime amount by overdraft principal, excluding the fees charged by the issuing bank such as interest, compound interest, late payment fees and handling fees, and the same is true when the court sentencing. If you only owe a few thousand yuan in principal, even if the bank reports the case, the public security organ will not accept it. The amount of malicious overdraft refers to the actual overdraft principal amount that has not been returned when the public security organ files a criminal case, excluding interest, compound interest, late fees, handling fees and other fees charged by the issuing bank. The amount returned or paid shall be regarded as the return of the actual overdraft principal.