China Merchants Bank SMS: "Your credit card overdraft has been suspected of violating the provisions of Article 196 of the Criminal Law on the crime of credit card fraud, please pay RMB 3,198 immediately". this is mainly a deterrent. Article 196 of the Criminal Law is about credit card fraud, but in fact, in the judicial interpretation, if the principal part of credit card arrears does not exceed 5, yuan (excluding interest and late fees), it is not enough for credit card fraud. Well, banks, in order to recover your debts as soon as possible, it is natural to say that it is serious to scare you into paying them back as soon as possible. In fact, you owe 3,198 yuan, even if it does not exceed 5, yuan, including interest and late fees, it is impossible to be brought to criminal proceedings. At most, it is a civil lawsuit, demanding to pay off the debts, and there is no risk of imprisonment.

However, it is still recommended to repay as soon as possible. Even if it is impossible to repay at one time, you can choose the minimum repayment or other amounts to pay back first, because as long as the willingness to repay is reflected, banks are not willing to sue easily. After all, there are costs.

-when I first joined the business, I did the dunning, although I don't do this work now.