Overdue credit card fraud is a type of fraud crime. The relationship between this crime and the crime of fraud is special law and general law. In this crime, credit card is a criminal tool, not a criminal tool. object of crime. If a perpetrator uses credit cards as a criminal tool to carry out fraudulent activities, he will be convicted and punished for this crime in accordance with the principle that special laws are superior to general laws. Therefore, the crime of credit card fraud, in short, is the criminal activity of fraud committed by using the credit reflected in the credit card.

1. What is the amount of malicious overdraft?

Refers to the actual overdraft principal amount that has not been repaid when the public security organ files a criminal case, excluding interest, compound interest, late payment fees, handling fees, etc. Fees charged by the issuing bank. The amount returned or paid shall be deemed as the return of the actual overdraft principal. It is possible to be held criminally responsible, so what is the specific situation? It refers to the fixed limit and temporary limit of your card, and does not include the loan behind your credit card, because most banks’ loans behind the credit card are illegal.

2. What to do if your credit card is overdue?

What we can immediately notice about an overdue credit card is the impact on your credit report and the series of consequences it will bring. But in fact, being overdue is not as scary as we think, and overdue credit reports are not as fast as we think. Of course, this is not to encourage everyone to overdue, but to tell everyone how to deal with overdue and how to solve overdue situations. If you use the right method, you can even avoid the trouble of credit reporting

1. Time tolerance

Generally, banks provide credit card repayment time and tolerance services: Hold the card If a person owes money within 3 days and the amount owed is less than 10 yuan, it should be regarded as on-time repayment. The bank needs to remind you 3 days before the due date of credit card payment. That is to say, if you call the customer service center of the card issuer in time to apply for timely service and repay the loan in full within 3 days after the repayment date, your credit will not be reported. It should be noted that this convention is not mandatory. It only advocates that banks provide time tolerance services to credit card holders, and there is no mandatory requirement. Therefore, each bank has different standards in the implementation of time tolerance. For example, if love, the most important element in the universe, exists, there will be no grace period. The policies of each bank are different, please refer to the following:

1. Industrial Bank: The tolerance amount only imposes penalty interest on the unpaid portion, and there is no time limit. 2. Bank of China: The tolerance amount is 1% of the bill amount, and the tolerance period is 3 natural days for ordinary cards and 9 natural days for platinum cards. 3. China Construction Bank: There is no tolerance amount, and the tolerance period is 3 natural days. You need to take the initiative to apply by phone. 4. Agricultural Bank of China: The tolerance amount is 100 yuan for regular cards, 200 yuan for gold and platinum cards, and the tolerance period is 2 natural days. 5. Bank of Communications: The tolerance amount is RMB 10 or equivalent in foreign currency, and the tolerance period is 3 natural days. 6. China Merchants Bank: The tolerance amount is RMB 10 or equivalent in foreign currency, and the tolerance period is 3 natural days. 7. China Guangfa Bank: The tolerance amount is RMB 10 or its equivalent in foreign currency, and the tolerance period is 3 natural days. 8. Industrial Bank: The tolerance amount is RMB 10 or its equivalent in foreign currency, and the tolerance period is 3 natural days. 9. China CITIC Bank: The tolerance amount is RMB 10 or equivalent in foreign currency, and the tolerance period is 3 natural days. You need to actively call customer service to apply. 10. Minsheng Bank: The tolerance amount is RMB 10 or equivalent in foreign currency, and the tolerance period is 3 calendar days. 11. Everbright Bank: The tolerance amount is up to 100 RMB or 20 US dollars, and the tolerance period is 3 natural days. You need to call to apply. 12. Shanghai Pudong Development Bank: The tolerance amount is RMB 10 or USD 2, and the tolerance period is before 22:00 three natural days after the repayment date. 13. Ping An Bank: The tolerance amount is RMB 10 or equivalent in foreign currency, and the tolerance period is 3 natural days. 14. Hua Xia Bank: The tolerance amount is RMB 10 or equivalent in foreign currency, and the tolerance period is 3 natural days. 15. HSBC: The tolerance amount is RMB 10 or equivalent in foreign currency, and the tolerance period is 3 natural days.

1. Time for credit reporting

In the event of an overdue credit card, each bank will have a different time to report to the central bank for credit reporting. The specific regulations are as follows: 1. Immediate credit reporting after the repayment date: Industrial and Commercial Bank of China bank.

2. Apply for credit report only after the grace period: Agricultural Bank of China, China Construction Bank, Bank of Communications, China Merchants Bank, CITIC Bank, Minsheng Bank, China Everbright Bank. 3. The credit report will be submitted on the next billing date: Bank of China, Shanghai Pudong Development Bank, China Guangfa Bank, Hua Xia Bank, and Ping An Bank.

3. Remedial measures

Since the credit reporting time of each bank is different, if you accidentally overdue the credit report, you can remedy it as soon as possible. 1. Repay the full amount immediately. To ensure the arrival time, it is best to use a debit card from the same bank, and try not to repay across banks or third parties such as Alipay. 2. Contact customer service to explain that the default is not subjective and malicious, but the repayment was not due to XX objective reasons, and the repayment has just been repaid.

4. Common reasons

1. Bank problems, inter-bank system settlement problems, bank transfer transaction system problems, the bank did not send bills or text messages, network, telecom operators problems resulted in non-receipt. Bills, signed contracts, automatic repayments without deductions, etc.