Will I be caught for overdrafting a credit card?

If a credit card overdraft case is filed, a person who has defaulted on his credit card debt for a long time will be chased online and checked by the public security department. When I was applying for the second-generation ID card, I was arrested directly. The danger lies in whether the public security organ files a criminal case for credit card debt and lists it as an online pursuit. If you have already pursued the person online, you will always be caught.

Credit card:

According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records relevant information about the cardholder's account, has bank credit limit and overdraft functions, and Various media that provide cardholders with related banking services.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

On May 25, 2021, the Supreme People’s Court issued and implemented the “Regulations of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Cases.”

Will you be wanted online if you owe a bank credit card money?

If you owe more money to the bank, you will be wanted online. \\Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China: Whoever engages in credit card activities under any of the following circumstances and the amount is relatively large shall be sentenced to not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not less than 200,000 yuan If the amount is huge or there are other serious circumstances, the fine shall be not less than five years but not more than ten 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, the fine shall be not less than five years but not more than ten years, or, In addition, a fine of not less than RMB 50,000 but not more than RMB 500,000 or property confiscation may be imposed: \(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 other people’s credit cards; (4) Malicious overdraft. \The so-called malicious overdraft referred to in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and still refuses to return the card after being called upon by the card-issuing bank.

Will you be caught by the police if you owe a credit card?

Legal analysis: Will you be caught if your credit card is overdue? You need to pay attention to the following issues:

1. Generally, the payment is first made, and then the process is waited for. The person will be arrested only after a judgment is made;

2. Overdue payment not only includes the minimum unpaid portion The 5% late payment fee is a minimum of 10 yuan on the bill. The full penalty interest is 5% of the daily interest. Interest will be calculated on the day of consumption, and interest will be charged monthly until the principal and interest are paid off. It will also produce a bad credit record in the Credit Information Center of the People's Bank of China, which will affect the next 2 years. Apply for credit cards and bank loans;

3. If you are overdue for more than three months or have not repaid the bank reminders for more than two times, the bank will freeze the card and blacklist the prohibited customers, and you will also be refunded. It is possible that credit cards and malicious overdrafts will be enforced. Credit card debt is a civil matter and, under normal circumstances, you will not be detained.

Procedure for non-payment of money owed

The general procedure is as follows:

1. Write a good book;

2. Bring evidence and books Arrive to file the case and pay the legal fees;

3. After the review is confirmed, a court hearing will be held;

4. Judgment

Legal basis: "People's Republic of China**" *Article 196 of the Criminal Law of the People's Republic of China. Whoever conducts credit card activities and the amount is relatively large shall be sentenced to 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, A fine of not less than 50,000 yuan but not more than 500,000 yuan shall be imposed; if the amount is particularly huge or there are other particularly serious circumstances, the fine shall be not less than 50 years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan. Or confiscation of property:

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 other people’s credit cards;

4. Malicious overdraft.

This ends the introduction on whether you will be wanted for owing money on a credit card and whether the police will want you for owing 10,000 on a credit card. I wonder if you have found the information you need?