Lawyers will help you fight for the best interests and help you negotiate with each other. You can also negotiate repayment with the bank, which has been suspected of credit card fraud.
If the payment is overdue for more than three months or the bank makes more than two reminders, the bank will freeze your card and put you on the blacklist of prohibited customers. At the same time, you will be sued for credit card fraud and malicious overdraft, which will be enforced by the court.
It is true that law firms help negotiate repayment. Online lawyers negotiate repayment. Loans overdue can be handled by both parties through consultation. Some online lending institutions or banks have special lawyers to handle such matters, so they can also entrust lawyers to negotiate with each other on their own initiative.
Legal basis:
Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it 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.