Malicious overdraft of credit card refers to the behavior that credit card holders exceed the prescribed limit or overdraw within the prescribed time limit for the purpose of illegal possession, and refuse to return it after being urged by the issuing bank. This kind of behavior will bring serious consequences. Cardholders should never do this, so how can we know whether the credit card has been maliciously overdrawn?

How do I know if my credit card has been maliciously overdrawn?

There are four types of malicious overdraft of credit cards, any of which is considered as malicious overdraft:

1, frequent overdraft. Cardholders repeatedly withdraw cash at credit card business points close to each other at a very high frequency, and every little makes a mickle, which takes up a lot of cash in the bank in a short time.

2. Multi-card overdraft. The cardholder applied to a number of banks and opened a number of accounts, but the cardholder still overdrawn, resulting in a number of debts and inability to repay.

3. Overdraft in different places. Cardholders take advantage of the current situation that China's communication equipment is underdeveloped, the cash withdrawal information in different places can not be summarized in time, and it is difficult to deliver the "emergency payment stop notice" in time, committing crimes all over the country and overdrawing at will.

4. Collaborate with each other to overdraw. First, cardholders cross each other, chain guarantee, and apply for credit card overdraft in different banks. Second, the cardholder colluded with the staff of special merchants to obtain bank funds by means of false consumption. Third, the cardholder colluded with bank employees inside and outside to use credit card overdraft.

According to Article 196 of the Criminal Law of People's Republic of China (PRC), "malicious overdraft" belongs to the crime of credit card fraud. In the judicial interpretation, there are two restrictions on "malicious overdraft": one is the two collections of the issuing bank; Second, it is not returned for more than three months. Because the crime of "malicious overdraft" is a deliberate crime, it has the subjective purpose of illegal possession and is a very important constituent element of this behavior. "Illegal possession" is the main boundary between "malicious overdraft" and "goodwill overdraft". Only the overdraft for the purpose of illegal possession belongs to "malicious overdraft" and constitutes a crime.

That's all. I hope it helps you.