1. It depends on the situation:
(1) If you can't pay off the debt for a long time, you can choose installment;
(2) If you can't pay off the arrears for a long time, you will choose the lowest repayment, and the fees you need to pay will be lower.
2. Legal basis: Article 196 of the Criminal Law of the People's Republic of China
Credit card fraud is committed under any of the following circumstances. If the amount of credit card fraud is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 2, yuan but not more than 2, yuan shall also be imposed; 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 ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: < P > (1) using a forged credit card or using a credit card fraudulently obtained with false identification;
(2) using an invalid credit card;
(3) fraudulent use of another person's credit card;
(4) malicious overdraft.
the malicious overdraft mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.
Theft Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.
Second, what measures will the bank take if the credit card is overdue?
The bank will take the following measures:
1. Generally, within one week to half a month, there will be SMS collection;
2. For those who are overdue for more than one month or a bill date, a phone call will be made;
3. If it is more than three months, the bank will send relevant personnel to make the above collection;
4. If it is more than half a year, the bank will bring a lawsuit in court.