As a police investigator, let me talk about my views on your problem:
1, how long will it take to maliciously overdraw a credit card with a personal official seal of about 65438+200,000, and what kind of punishment will it be?
A: In credit card fraud, a malicious overdraft of more than 5,000 yuan is a "large amount"; Malicious overdraft of more than 50 thousand yuan belongs to "huge amount"; Malicious overdraft of more than 200,000 yuan belongs to "extremely huge amount"
You said that the amount of credit card with official seal is about 6.5438+200,000, and the amount you overdraw belongs to the category of "huge amount". According to the provisions of Article 196 of China's Criminal Law, if the amount is huge or there are other serious circumstances (which can be understood as refusing to return the dirty), you will be sentenced to fixed-term imprisonment of more than 5 years 10 years and fined more than 50,000 because you privately engraved the official seal. Because the fraud figures you provided are not specific, I can't make a relatively accurate sentence. And whether you return the stolen goods is also the key to sentencing. If the stolen goods are returned in full, it will take about five years.
2. If you can pay back all the overdrawn money, can you be acquitted?
A: If you pay back the money within 3 months after receiving the bank reminder, there is no purpose of illegal possession and it does not constitute a crime. If it is still within this time limit, the public security organ should not file a case for investigation. Although this has disadvantages, it is stipulated in the current law. If you pass this time limit, you will constitute the crime of credit card fraud, and you will not be acquitted just because you have returned all the money, unless you have the ability to get the public security organ to dismiss the case. But because you are a case investigated by the Municipal Economic Investigation Detachment, it is too difficult to dismiss the case.
3. Is the more you get, the lower the penalty?
A: Yes, whether to voluntarily return stolen goods can reflect the criminal suspect's attitude of pleading guilty. The more stolen goods are returned, the lower the sentence. Because your initial sentence is five years, you won't be given a suspended sentence.
I advise you to do something, it is best to get bail pending trial.
A: Bail pending trial is one of the compulsory measures taken by public security organs against criminal suspects, which can be taken in two ways: personal insurance and financial insurance. You can apply to the public security organ, because you don't belong to eight serious criminal cases, such as murder and arson. As long as you don't take self-harm and other means to hinder the public security organs from investigating and collecting evidence during the investigation stage, it is reasonable to get a bail pending trial, and the public security organs are also happy to get a bail for you. According to your situation, it is unlikely to be insured. You will have to prepare tens of thousands of yuan, maybe more. Because there is no online regulation for the review of bail pending trial. In addition, economic crime cases generally need to be studied by bureau leaders before they can apply for bail pending trial, and the amount of deposit is also studied by bureau leaders. So all you can do is exercise. If the public security organ fails to release you on bail pending trial, you should ask the public security organ to explain the reasons for not releasing you on bail pending trial and hire a lawyer if necessary. Another explanation: bail is the same as detention. This is a mandatory measure. You will not be investigated for criminal responsibility just because you are released on bail pending trial. The advantage of bail is that you don't have to stay in the detention center. In the meantime, you can raise funds better. )
Finally: I suggest that you actively return this money, even if you lend it to your relatives and friends, because you privately engraved the official seal and maliciously overdrawn 65,438+10,000-200,000. Your behavior 100% violates the criminal law and must be sentenced. Paying back the money will be of great help to your sentencing.
Answer finished, hope to help your friends!