I owe 9,000 to my credit card. It is recommended to raise money to pay off the debt as soon as possible. Otherwise, the interest will accumulate and it will also affect your personal credit record.

The crime of credit card fraud (Article 196 of the Criminal Law) refers to the act of using credit cards to conduct fraudulent activities for the purpose of illegal possession, in violation of credit card management regulations, and to defraud a large amount of property.

1. Standards for filing this crime

According to relevant legal provisions, anyone suspected of one of the following circumstances shall be prosecuted:

1. Using a counterfeit credit card , fraudulently obtain credit cards with false identity certificates, use invalid credit cards, or use other people’s credit cards to commit credit card fraud, with the amount exceeding 5,000 yuan.

The term "false use of other people's credit cards" as mentioned in Item (3) of Paragraph 1 of Article 196 of the Criminal Law includes the following situations: (1) Finding other people's credit cards and using them; (2) Fraudulent use of other people's credit cards (3) Stealing, bribing, defrauding or obtaining other people's credit card information through other illegal means and using it through the Internet, communication terminals, etc.; (4) Other situations of fraudulently using other people's credit cards.

2. Malicious overdraft of more than 10,000 yuan.

If the cardholder exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possession, and fails to return the card for more than 3 months after being called upon twice by the issuing bank, it shall be deemed to be a violation of Article 190 of the Criminal Law. "Malicious overdraft" as stipulated in Article 6.

If any of the following circumstances occurs, it shall be deemed as "illegal possession for the purpose" as stipulated in the second paragraph of Article 196 of the Criminal Law:

(1) Knowingly not possessing A large amount of overdraft due to the ability to repay the loan cannot be returned;

(2) The overdraft funds are squandered wantonly and cannot be returned;

(3) Escape, change contact information, and evade after overdraft Bank collection;

(4) Escape and transfer funds, conceal property, and evade repayment;

(5) Use overdraft funds to carry out illegal and criminal activities;

(6) Other behaviors of illegally possessing funds and refusing to return them.

The amount of malicious overdraft refers to the amount that the cardholder refuses to return or the amount that has not been returned under the conditions specified in the first paragraph. Excludes compound interest, late fees, handling fees and other fees charged by the card-issuing bank.