Legal subjectivity:

1. Continue to use the card and cover the previous overdue records with good repayment records. After a credit card is overdue, a new credit record will generally be generated 24 months later. Use a good repayment record to overwrite the previous overdue record, so that personal credit, etc., will not be affected after the record is refreshed. 2. Never leave it alone. If you are overdue for a long time, your credit card will accrue interest and there will be high late payment fees. If you ignore it, the bank will determine that you have maliciously overdrafted, and the bank will call the police. 3. It is best to repay the loan in full and explain it after the due date. Sometimes you forget to repay due to carelessness. When you find that it is overdue, you must repay in full as soon as possible, preferably in full, because after repaying in full, you have the best chance of winning if you call the bank to explain that the debt is not malicious and request to eliminate the overdue record. The law is objective:

Article 196 of the Criminal Law: Whoever commits credit card fraud in any of the following circumstances and 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 fined 20,000 yuan A fine of not less than 200,000 yuan but not more than 200,000 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 , 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 property confiscated: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identification; (2) ) Using an expired credit card; (3) Pretending to use another person’s credit card; (4) Malicious overdraft.