This number 12378 is the customer service number of the China Banking Regulatory Commission. The China Banking Regulatory Commission will not negotiate with you. No matter what you call, you cannot negotiate. This number is used to report bank non-compliance. That is to say If you encounter violent debt collection, including frequent phone calls that affect your life, or harassing family and friends by exposing your address book, etc., these are all violent debt collections. You can record and call this number to report.

2. Will there be penalties for malicious overdraft of credit cards?

1. If you are punished, you will be criminally liable for malicious overdrafts on credit cards.

2. Whoever commits credit card fraud and 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, The person shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly 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. A fine of up to 500,000 yuan or confiscation of property may be imposed.

3. What will happen if the credit card is overdue and sued

1. The bank’s continuous reminders

(1) When the borrower repays overdue, The bank's credit card customer service center will first make multiple phone calls;

(2) If the payment is still outstanding, the bank will entrust a third party to collect the money, usually through continuous phone calls, text messages, or even door-to-door collection;< /p>

(3) If the debt is not repaid after repeated calls, the bank will sue the court.

2. Being sued by the bank and unable to apply for a loan

The cardholder will be added to the credit blacklist and unable to apply for a loan. The court will collect collection. After receiving the court summons, after investigation and If the cardholder refuses to repay the card after being persuaded and urged to repay, the court can take enforcement action; subsequently, the court will liquidate the cardholder's assets to repay the card debt and freeze the relevant property.

3. Malicious default will lead to imprisonment and fines

(1) If a credit card is overdue for three months, it can be regarded as a malicious overdraft penalty. However, if you communicate with the bank in advance, you can prove Depending on your repayment ability and repayment plan, you will generally not face criminal liability.

(2) However, the court has ruled that cardholders who still do not return will be dealt with according to the "Criminal Law". In serious cases, they may face consequences of three years in prison and fines, and in particularly serious cases, they may face longer A prison term of three to seven years and a fine.