1. If the payment is overdue for more than three months or the bank has made more than two reminders, the bank will freeze your card and list you as a prohibited customer (blacklist), and will also sue you for credit card fraud and malicious overdraft, which will be enforced by the court. If a person refuses to repay the loan after prosecution and the amount owed exceeds 1,, the court will impose a sentence according to the crime of credit card fraud in Article 196 of the Criminal Law.

article 196 of the criminal law stipulates that anyone who commits credit card fraud 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 2, yuan but not more than 2, 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 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: < P > (1) using a forged credit card or using a credit card fraudulently obtained with false identification;

(2) using an invalid credit card;

(3) fraudulent use of another person's credit card;

(4) malicious overdraft.

Malicious overdraft refers to the behavior that the cardholder overdraws beyond the specified limit or time limit for the purpose of illegal possession, and still refuses to return it after being urged by the issuing bank

Extended information:

Malicious overdraft of credit card refers to the overdraft behavior that the cardholder exceeds the specified limit or time limit for the purpose of illegal possession, and is ineffective after being urged by the issuing bank.

malicious overdraft is the main risk form in credit card business, and it is a part of credit card fraud. For card-issuing banks, it is the most common and extremely harmful risk.

Therefore, it is of great significance to correctly analyze the causes of credit card malicious overdraft risk and put forward reasonable and effective preventive measures for reducing the losses of card-issuing banks and promoting the healthy development of credit card business.

category

1. frequent overdraft. Cardholders repeatedly withdraw cash at credit card business points close to each other at a very high frequency, and every little makes a mickle, occupying a lot of cash in the bank in a short time.

2. Multi-card overdraft. Cardholders apply to a number of banks, open multiple accounts, and the cardholders still overdraw, resulting in multiple debts, which leads to inability to repay.

3. Overdraft in different places. Cardholders make use of the current situation that China's communication equipment is underdeveloped, the information of cash withdrawal in different places can not be summarized in time, and it is difficult to deliver the "Emergency Stop Payment Notice" in time, and they commit crimes all over the country and overdraw at will.

4. collude with each other to overdraw. First, cardholders cross each other, chain guarantees, and apply for credit cards in different banks for overdraft. Second, cardholders collude with the staff of special merchants to obtain bank funds by means of fake consumption. Third, cardholders collude with bank employees inside and outside to use credit card overdraft.

Baidu encyclopedia-malicious overdraft