1. Overdue repayment will be recorded in the personal credit report, but negative information such as overdue repayment will not necessarily be recorded in the personal credit report. Our current credit records are kept for five years. After paying off the balance, anyone can start over building their credit history and start over.

Overdue bank credit cards may be suspected of credit card fraud;

2. If the principal is in arrears of more than 10,000 yuan, and the card issuer calls for it twice and does not return it for more than 3 months, it will be deemed as criminal law. "Malicious overdraft" constitutes a crime. Credit card fraud is punishable by five years in prison. The following fixed-term imprisonment or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan;

3. The amount of malicious overdraft is relatively large, and all overdraft interest has been repaid before the public security organ files the case. If the circumstances are obviously minor, criminal liability may not be pursued in accordance with the law.

4. If you know that your credit card does not have the ability to repay but still overdraft, it means there is malicious possession purpose. If the overdraft amount exceeds 5,000 yuan, or if the bank repayment is not returned after three months, a fee will be charged. Has been suspected of credit card fraud and may be held criminally responsible.

Article 196 of the Criminal Law: Credit card fraud and theft. Credit card fraud involving any of the following circumstances, if 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 punished by a fine of not less than 20,000 yuan. less than 20,000 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 10 years; and a fine of 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 fined not less than 50,000 yuan but not more than 500,000 yuan; A fine of not less than RMB 500,000 but not more than RMB 500,000 is imposed. A person shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have his property confiscated:

(1) Using a counterfeit credit card;

(2 ) Using an invalid credit card;

(3) Pretending to use another person’s credit card;

(4) Malicious overdraft.

Over-spending is very serious now, so many credit cards will be overdue. When using a credit card, be sure to determine your repayment ability and do what you can. If you are late on a credit card payment, you should pay it back as soon as you have the money. Otherwise, the credit record of the bank will be affected, and it is very likely to constitute credit card fraud, and criminal liability will be investigated in accordance with the law.