1. What should I do if I owe 100,000 on my credit card and cannot repay it?

1. Use the minimum repayment function.

Every bank has a minimum repayment function. As long as the minimum repayment is paid, the bank will not charge late fees and will not affect your personal credit. However, interest will be charged for repaying the minimum, which is 50% interest per day. Therefore, as long as you repay the minimum, although the pressure will be reduced, compound interest will occur, which will be relatively troublesome, and it can only be used as a temporary delay.

2. Use the installment function.

If you are under repayment pressure, you can directly apply for bill installment. Generally, banks provide 3, 6, 9, 12, 18, and 24 installments. You can choose the number of installments according to your repayment ability. , This can alleviate the repayment pressure and will not affect your credit.

3. Change the billing date to extend the repayment period.

The billing time cannot be changed casually. Generally speaking, it can be changed once every six months. Some banks change it once a year, and some banks can only change it once.

4. Take the initiative to explain the situation to the bank and negotiate.

If you are unable to repay for a period of time due to special circumstances such as work, you can take the initiative to call the bank and explain the reason, prove that it is not malicious and there is indeed a reason, and discuss whether the repayment can be postponed.

2. Can a person who maliciously overdraft a credit card worth RMB 100,000 and refuse to plead guilty be convicted?

A cardholder who refuses to plead guilty can also be convicted. In criminal cases, all cases must be sentenced. Emphasis on evidence, emphasis on investigation and research, and not taking confessions lightly. If there is only the defendant's confession and no other evidence, the defendant cannot be found guilty and punished; if there is no defendant's confession and the evidence is reliable and sufficient, the defendant can be found guilty and punished. The evidence is reliable and sufficient and should meet the following conditions:

(1) The facts of conviction and sentencing are all supported by evidence;

(2) The evidence on which the case is finalized has been verified to be true through legal procedures ;

(3) Based on the evidence in the entire case, reasonable doubt has been eliminated as to the facts identified.

3. Can’t someone who maliciously overdrafts 100,000 yuan on a credit card be released on bail pending trial?

Those who meet the following conditions can also be released on bail pending trial:

(1) May be sentenced to surveillance, Criminal detention or independent application of additional penalties;

(2) May be sentenced to a penalty of fixed-term imprisonment or more, and being released on bail pending trial will not cause social danger;

(3) Suffering from serious illness, life A woman who is unable to take care of herself, is pregnant or is breastfeeding her own baby, and being released on bail pending trial will not pose a social risk;

(4) The detention period has expired and the case has not been settled, and it is necessary to be released on bail pending trial.

If the amount of credit card debt has reached 100,000 yuan, you must take the initiative to contact the bank. For example, you have received a collection text message from the bank, but you have not repaid the credit card for a long time, and you have not applied for an extension of repayment from the bank. In this case, it is likely to be regarded as a malicious overdraft, and malicious overdraft of the credit card will be punished.