You don't have to go to jail if you owe 60 thousand on your credit card. If it is a malicious overdraft 1 10,000 yuan or more, and it is suspected of a credit card crime, the law stipulates that the case should be filed for prosecution and criminal responsibility should be investigated. However, if the overdraft interest can be repaid in full before the public security organ files a case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law. And only pursue its civil repayment responsibility. No matter how much it is overdue, it is civil, while the malicious overdraft is criminal and may be jailed.
What is the credit card limit of China Merchants Bank at 60,000 yuan?
China Merchants Bank's credit card limit is 60,000 yuan, and there is no fixed answer. Banks usually comprehensively consider the applicant's credit limit according to his income level and credit status. Applicants can provide more financial certificates and past credit card use records to prove their qualifications when submitting application materials, which may help to increase the credit card limit.
The 60,000 credit card limit of China Merchants Bank refers to the maximum amount that a credit card can overdraw. The credit card limit of China Merchants Bank is briefly introduced as follows: the credit card limit is 3,000 yuan to 1000 yuan, and the gold card limit is 1000 yuan to 50,000 yuan; High-end credit cards such as platinum cards have a quota of more than 50,000.
How much is the credit card for 60 thousand 36 installments per month
If the credit card repays 2000 yuan per month, 60000 yuan in 36 installments, and the loan interest rate of the credit card is 5%, then the monthly repayment amount is 60000×36×5% = 2000 yuan monthly interest.
Does Bank of Communications credit card 60,000 belong to platinum card?
The quota of 60 thousand belongs to platinum card.
The higher the credit line of Bank of Communications credit card, the higher the corresponding level; However, the grade of credit card does not directly determine the credit limit of credit card.
Ordinary credit card range: 1 0,000-10,000 yuan. Gold card limit range:1-50,000 yuan. Platinum card limit range: generally more than 50 thousand yuan, the highest can reach more than 654.38+0 million.
Credit card 60 thousand, how much is the interest and late fee overdue for one year?
For credit card overdraft consumption transactions, BOC generally provides an interest-free repayment period of 20-50 days. If the repayment is made in full before the interest-free repayment period, no overdraft interest will be charged.
Those who fail to repay in full before the interest-free repayment period will not enjoy the interest-free repayment period, and the overdraft interest calculated according to the actual amount owed and the actual number of days owed will be collected in installments from the transaction accounting date. The overdraft interest rate is five ten thousandths of the daily interest rate, with compound interest calculated on a monthly basis. If the minimum repayment amount is not paid before the due repayment date (inclusive), the bank will charge a penalty of 5% for the unpaid part of the minimum repayment amount. The specific calculation method of repayment penalty is: repayment penalty = (minimum repayment amount-paid amount) ×5%. If the minimum repayment amount is less than 10 yuan (inclusive), no penalty will be charged for repayment; No charge will be charged after 6 overdue periods; The amount collected will not exceed the principal.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
Will you go to jail if your credit card is overdue for more than 60 thousand
I will. If the payment is overdue for more than three months or the bank reminds you twice, the bank will freeze the card and list it as a prohibited customer (blacklist). Meanwhile, credit cards and malicious overdrafts may be enforced. Refusing to repay, and the amount owed exceeds 6,543.8+0,000, shall be sentenced according to Article 654.38 +0.96 of the Criminal Law for the crime of credit card.
Legal basis:
Article 196 of the Criminal Law of People's Republic of China (PRC), who engages in credit card activities 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, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;
(2) Using an invalid credit card;
(3) Fraudulent use of another person's credit card;
(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.
Anyone who uses a credit card at the same time shall be convicted and punished in accordance with the provisions of Article 264 of this Law.
The launch of 60,000 credit cards ends here.