Current location - Trademark Inquiry Complete Network - Overdue credit card - What should I do if my credit card is overdue during my detention by the Public Security Bureau?
What should I do if my credit card is overdue during my detention by the Public Security Bureau?
Legal analysis: If a person is detained or imprisoned for a crime and his credit card cannot be repaid, he will first be sued by the bank for repayment, and then the court will put him on the list of untrustworthy people. After he is released from prison or released from custody, the bank will ask the court to freeze his property. If you are detained or imprisoned for a crime and your credit card cannot be repaid, you can entrust others to handle it on your behalf. Because the debtor is suspected of committing a crime, his personal freedom is restricted and he cannot be exempted from the responsibility of the credit card. Banks have the right to sue.

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 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 particularly 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 his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (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. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.