It is actually very good if you have the mentality of surrendering after committing a crime. This will have a very positive effect on future sentencing and even commutation of sentences in the future, and now such advanced criminal investigation technology Even if you commit another crime and run away, it will only be a matter of time before you are caught. However, some people who maliciously overdraft their credit cards do not know where they can turn themselves in. Generally, surrendering is just to the local public security bureau. 1. Where can I surrender with a malicious overdraft credit card? You can surrender at the local public security organ. According to the provisions of Article 67 of the Criminal Law of the People's Republic of China and the People's Republic of China, surrender means voluntarily surrendering to the police, judicial organs or other authorities after committing a crime. The relevant authorities truthfully confess their crimes. Criminals who surrender may be given lighter or reduced penalties. Among them, those who commit relatively minor crimes can be exempted from punishment. Criminal suspects, defendants and criminals serving sentences who have been subject to compulsory measures and truthfully confess their other crimes that are not yet known to the judicial authorities shall be considered to have surrendered. Although a criminal suspect does not have the circumstances to surrender as stipulated in the preceding two paragraphs, if he truthfully confesses his crime, he may be given a lighter punishment; if he truthfully confesses his crime and avoids particularly serious consequences, he may be given a lighter punishment. Presenting also refers to proactively and truthfully admitting one's mistakes. 2. Definition of malicious credit card overdraft Malicious credit card overdraft refers to the cardholder’s behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to repay the card for more than 3 months after being called upon twice by the card-issuing bank. According to Article 196 of the Criminal Law, the so-called "malicious overdraft" refers to the cardholder's behavior of overdrafting beyond the prescribed limit or prescribed period for the purpose of illegal possession and refusing to return it after being called by the card-issuing bank. . The Supreme People's Court and the Supreme People's Procuratorate's "Interpretations on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Obstructing the Management of Credit Cards" have made more specific and clear provisions on malicious overdrafts, which means that the cardholder exceeds the regulations for the purpose of illegal possession. Overdraft within the limit or specified period, and the card-issuing bank has not returned the payment for more than three months after two calls. 3. The "Criminal Law" provides for the sentencing of malicious credit card overdrafts. Article 196 of the "Criminal Law of the People's Republic of China" and "Criminal Law of the People's Republic of China" include any of the following circumstances. Whoever conducts credit card fraud activities and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or Criminal detention and a fine of 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 if there are other particularly serious circumstances, he 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 his property shall be confiscated: (1) Using a forged credit card, or using a false identity certificate to defraud someone. (2) Using an expired credit card; (3) Pretending to use another person’s credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. Anyone who steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law. It can be seen that the question of where to surrender for malicious overdraft of credit cards is still very simple. However, when surrendering to the local public security agency, you must clearly explain all the causes and consequences of malicious overdraft of credit cards, and the public security department cannot just because The parties surrendered without going to investigate and collect evidence. This initiative of surrendering definitely means that the public security department is transferring the case, and the prosecutor will mention it in the sentencing opinions.