Credit card arrears of 50,000 yuan are suspected of credit card fraud and are malicious, exceeding 6,543.8+0,000 yuan.
Article 196 of the Criminal Law Whoever commits credit card fraud under 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 or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
1, using a forged credit card.
2. Use an invalid credit card.
3. Fraudulent use of other people's credit cards.
4. Malicious overdraft.
The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder exceeds the prescribed limit or overdraws within the prescribed time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.
Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.
Extended data:
Banks that are overdue for a long time and maliciously owe money can take judicial action, hoping to attract attention. And serious overdue will leave a bad credit record, which will definitely have an impact on future loans. Suggest paying back the money as soon as possible.
If you are unable to repay at present, it is recommended to contact the bank to inform the actual situation and see if you can negotiate repayment. If the bank negotiates with you, you should repay the loan according to the agreement every month, and don't default again.