First, CITIC Credit Card owes 4,000 yuan, which is a civil matter and will not go to jail; Second, the debtor's overdue repayment record will be recorded in the personal credit report, but the negative information such as overdue repayment is not always recorded in the personal credit report. At present, China's credit record has been maintained for five years. After paying off the debt, anyone can start building a credit record again and start again. \ \ III。 Legal Basis: Interpretation of the Supreme People 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 repeated reminders from 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 196 of the Criminal Law: (1) knowing that there is no repayment ability and the overdraft amount is large and cannot be returned; (two) the use of overdraft funds at will, can not be returned; (3) Escaping after overdraft, changing contact information and evading 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 illegal possession of funds and refused to return. \ 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 "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. \ The amount of malicious overdraft refers to the amount that the cardholder refuses to return or has not returned under the conditions specified in the first paragraph. Does not include compound interest, late fees, handling fees and other fees charged by the issuing bank. \ Malicious overdraft shall be investigated for criminal responsibility. However, if the overdraft interest has been repaid in full before the announcement of the people's judgment after the public security organ files the case, it may be given a lighter punishment, and if the circumstances are minor, it may be exempted from punishment. If the amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files a case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law.
What will happen if CITIC Bank's credit card is overdrawn for a long time without repayment?
The bank will freeze your card and list you as a prohibited customer (blacklist) if it is overdue for more than three months or the bank reminds you twice. At the same time, it will force the use of credit cards and maliciously overdraw. If you refuse to repay the loan in the later period and the amount owed exceeds 1 10,000, you will be sentenced for the crime of credit card according to Article 196 of the Criminal Law! \ \ Article 196 of the Criminal Law stipulates that in 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 and fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (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 prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. You belong to the fourth situation. Malicious overdraft is the main risk form in credit card business and belongs to a part of credit card.
I owe more than 40,000 credit cards to CITIC, and I have never paid them back. What are the consequences?
1. What will happen if you don't return your credit card?
1, high interest and late fees
If the cardholder fails to repay the credit card, he will no longer enjoy the interest-free period of the credit card, and will charge 0.5% interest every day from the date of consumption, and compound interest will be calculated monthly. If you owe tens of thousands of yuan in less than a few days, you will generate thousands of yuan of interest, and the longer the time, the higher the interest.
If the credit card fails to repay in time after the interest-free period, the bank will charge the credit card holder a late fee, accounting for 5% of the unpaid minimum repayment amount. After a certain period of time, the bank will charge the cardholder a higher penalty interest.
2. Personal credit stain
As long as you have applied for a credit card or loan, you will know how important your personal credit record is. It will be very difficult to apply for a credit card once your credit history is tainted. This is not the most troublesome. Worst of all, if you want to buy a house with a credit stain in the future, the loan amount of a mortgage will be less than others' interest rate, but higher than others' interest rate. If it expires, the bank won't lend it to you.
3. The credit card has been stopped.
If the credit card is not repaid, the bank will withdraw the revolving credit given to the cardholder and the credit card will be deactivated. For those who owe money for many times or for a long time, the bank will think that the cardholder's repayment risk is high, and will stop using the credit card and recover the arrears from the cardholder. If the bank still can't repay the credit card debt, the bank can apply for auctioning other fixed assets of the cardholder.
4. Malicious arrears will be sentenced.
If a credit card is overdue for more than three months, it will be regarded as a malicious overdraft, and banks can inquire about judicial proceedings. China's criminal law stipulates that the judicial organs will take corresponding measures (criminal detention for less than 50,000 yuan) if the credit card overdraws more than 50,000 yuan, self-examination lasts for more than 3 months and self-examination lasts for more than 3 times. Requirements for the amount of self-examination and suspected credit card crimes
According to the "Decision on Amending the Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management", if the amount of malicious overdraft is more than 50,000 yuan but less than 500,000 yuan, it has been self-examined as "a large amount"; If the amount is more than 500,000 yuan but less than 5 million yuan, it is determined that the amount of self-examination has been huge "; The amount of more than five million yuan, identified as "a huge amount of self-examination.
Nowadays, it is common for people to use credit cards, but this advanced consumption pattern has also brought troubles to some people. In the process of using credit cards, some people do not abide by the regulations of the state and the issuing bank, spend too much, exceed their own economic ability, resulting in difficulties in life, and the credit card debts owed cannot be repaid as agreed. In this case, it is necessary to bear many consequences, which may even be considered as a criminal offence, and thus be investigated for criminal responsibility according to law.
Let's stop here and introduce what it will be like to owe CITIC credit cards.