Legal basis: Article 196 of the Criminal Law: Whoever 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 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. Use forged credit cards, or use forged identity documents to defraud credit cards.
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 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. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.
Once you become a black household and have a credit stain, you must take timely measures to restore your reputation. There are two points:
First, we must pay off the arrears, whether it is loans or public fees in arrears (many people may not know that the records of tax arrears, civil judgment execution and telecom arrears will be reflected in the detailed personal credit report of the bank, so remember to cancel the broadband and number when not in use).
Second, because the credit report only keeps the records of the past five years, after the credit stain occurs, you can cover the previous negative records with a good credit record of five years. After that, unless you have a major criminal record, your loan is basically unaffected.
1. It takes five years for illegal households to erase their records, and they need to apply again after paying off.
2. Conditions for applying for a credit card.
(1) at least 18 years old, but not more than 65 years old.
(2) Have a good credit record.
(3) Applicants may apply for no more than two supplementary cards for their spouses or relatives with full capacity for civil conduct.
3. Apply for credit card materials.
(1) Copy of ID card, resident ID card or military officer's card.
(2) proof of work and income.
(3) Other financial certificates, such as a copy of real estate license, a copy of automobile driving license, a copy of deposit certificate, etc.
4. Credit card application process.
(1) Fill in the application form.
(2) Information provided to the bank itself and a copy of the information.
(3) The bank sends it to the credit card center.
(4) The credit card center conducts audit, business card printing and card issuance.
(5) After I get the card, I will open the card and wait for the password letter.