I never applied for a credit card. Recently, I applied for a credit card limit of 85,000 yuan from Bank of Communications. I've used 70 thousand to 80 thousand. What should I do now if I have no money? My salary is only 1000 yuan. Help! As long as it is overdue, it will produce a bad credit record, which will affect your application for credit business from the bank again;

If the amount is not large and the circumstances are minor, the bank will collect it by itself, or the bank will file a civil lawsuit with the court;

If the amount is large and the circumstances are serious, the bank will report the case to the public security organ. If the public security organ thinks that it meets the crime of credit card fraud (malicious overdraft is one of the plots of credit card fraud, it meets the conditions of credit card fraud, such as subjective malice and objective behavior. , and the amount is 1W), it will file a case for investigation, and after filing, investigation, prosecution, trial and other procedures in accordance with the criminal case flow, it will finally be pronounced by the court.

Therefore, if the public security organ has repaid all the overdraft interest before the judgment of the people's court is pronounced, it can be given a lighter punishment, and if the circumstances are minor, it can 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; If you just don't pay back the money, then going to jail is certain.