And impose a fine of not less than 20,000 yuan but not more than 200,000 yuan.
2. What is malicious overdraft? According to the relevant judicial interpretation, malicious overdraft refers to the overdraft of more than 6.5438+0 million yuan, and the cardholder's purpose is illegal possession, exceeding
If an overdraft is made within the specified limit or within the specified time limit, and it is not returned for more than 3 months after being collected twice by the issuing bank, it shall be deemed as Article 1 of the Criminal Law.
"Malicious overdraft" as stipulated in Article 196.
According to relevant regulations, those who maliciously overdraw 65,438+10,000 to 65,438+10,000 yuan shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall be fined not less than 20,000 yuan but not more than 200,000 yuan;
Malicious overdraft of 6,543,800 yuan to 6,543,800 yuan can be punished with fixed-term imprisonment of more than 5 years and less than 654,38+00 years, and a fine of more than 50,000 yuan and less than 500,000 yuan.
3. If the overdraft amount is less than 654.38+00000, although it does not meet the criminal filing standard, the risk still exists, but it will enter the bank blacklist and be deducted by the bank.
Take the case to court and ask for a refund. The bank won't let the money you spend turn into bad debts. Over time, they will sue you for your money back.
Arrears will result in late fees, interest and other expenses!
In addition, malicious overdraft will seriously affect the credit of cardholders. Once listed in the blacklist of personal reputation of banks, all banking business, especially investment,
Capital loans and so on will be negatively affected and must not be underestimated.