What does it mean when the economic investigation calls and asks about having a credit card?

The economic investigation will call only if the credit card is suspected of being ++, but generally not if it is overdue.

1. If a bank files a civil lawsuit against ++, ++ should decide whether to accept it within 7 days from the date of receiving the litigation materials.

2. If the amount you owe reaches 10,000 yuan and you still fail to repay it more than 3 months after two collections by the bank, it will constitute a credit card++ crime and you should bear criminal responsibility. After the public security organ files a case for investigation, it usually takes about four months before the procuratorate files a public prosecution against ++.

"Interpretation of the Supreme People's Procuratorate and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases Obstructing the Management of Credit Cards"

Article 6 The cardholder shall, for the purpose of illegal possession, If the card is overdrafted beyond the prescribed limit or within the prescribed period and is not returned for more than 3 months after being called upon twice by the card-issuing bank, it shall be deemed a "malicious overdraft" as stipulated in Article 196 of the Criminal Law.

If any of the following circumstances occurs, it shall be deemed as “illegal possession for the purpose” as stipulated in the second paragraph of Article 196 of the Criminal Law:

(1) Knowingly not possessing A large amount of overdraft due to the ability to repay the loan cannot be returned;

(2) The overdraft funds are squandered wantonly and cannot be returned;

(3) Escape, change contact information, and escape after overdrafting Bank collections

(4) Escape and transfer funds, conceal property, and evade repayment;

(5) Use overdraft funds to carry out illegal and criminal activities;

(6) Other behaviors of illegally possessing funds and refusing to return them.

A malicious overdraft, if the amount is more than 10,000 yuan but less than 100,000 yuan, shall be deemed as a "relatively large amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 100,000 yuan but less than 1 million yuan If the amount exceeds 1 million yuan, it shall be deemed as a "huge amount" as stipulated in Article 196 of the Criminal Law; if the amount exceeds 1 million yuan, it shall be deemed as an "especially huge amount" as stipulated in Article 196 of the Criminal Law.

My credit card worth more than RMB 30,000 is overdue for half a year. I received a call from the Economic Investigation Bureau and asked me to undergo an investigation. Do I have to go?

I happened to handle a similar case involving a credit card++ crime. The first trial of the case lasted for seven years and the second trial resulted in a not guilty verdict. This should be able to answer your question.

First of all, when receiving a verbal summons from the case-handling agency, you must go and cooperate with the investigation, otherwise you may be forcibly summoned.

Secondly, if one is indeed suspected of a crime, accepts a verbal summons from the public security organ, takes the initiative to cooperate with the investigation, and makes a truthful confession, it can be regarded as surrendering in judicial practice.

Again, you need to consult a professional criminal lawyer to verify whether your behavior constitutes a crime and whether there is room for redress.

Finally, a word of advice, take the initiative to go to the credit card issuing bank to communicate about repayment before going to accept the investigation. If there is any change in information such as contact number, home address, work address, emergency contact person, etc., the credit card retained information needs to be changed in a timely manner. If you have repeatedly refused to answer the bank's reminder calls, you need to contact the bank as soon as possible to negotiate the repayment and record evidence, or directly repay part of the debt.

The most important criminal characteristic of the crime of credit card++ is the refusal to repay. If it is indeed impossible to repay on time due to financial difficulties, you should at least be responsible and behave in repaying the money, and show your sincerity in not evading debt, so as to avoid Civil++ was transferred to criminal case.

Ask your policeman’s name and police number, and then call him grandson and tell him what crime it is to impersonate a policeman. It’s really his turn to conduct an economic investigation. You, will still call you, the easiest way is to arrest you directly, and still call you?

If you owe 30,000 yuan, it’s the economic investigation’s turn to investigate you? You take yourself too seriously. You can't catch criminals worth hundreds of millions or billions. You still spend your time investigating your big deal, which is a waste of national resources.

Negotiate with the bank to solve the problem. For example, if you apply for an illegal credit card without guarantee online, and it is a credit card promoted by the bank, it is recommended that you do not repay it. They will induce you to consume illegal online loans and you will suffer the consequences!

If your credit card is overdue for six months, it is no longer possible to receive an economic investigation call! Let me tell you based on my experience in handling nearly a hundred real overdue personal credit card cases. Are you sure that the economic investigation call you allegedly received was a "real" call from the economic investigation brigade or squadron of the public security agency?

Why do you ask?

After the credit card is overdue, within the first billing period (the bank credit card center uses three months as a billing period), it has already decided what kind of action to take against the cardholder. More than 95-98% of most people will continue to receive collection calls, text messages, legal reminder letters, and door-to-door verifications within a year, until they package and sell the debt and switch to another home for collection. There are still 2-5% of people who may be harassed by the bank, but this is a civil economic crisis, directly from the police to the police, and no public security forces will be used. Only a very small number of people will be taken away by the police, pay attention! If you are taken away, the police will appear directly in front of you and will not make any phone calls to you at all! I have collected three cases of this situation to share here:

One is at least six years ago, a man in his 40s, a private owner, who lost his principal due to business failure. CITIC Bank credit card is overdue. More than 10,000 yuan was taken to the store for questioning by J, who claimed to be a legal officer of China CITIC Bank and a local citizen. After taking him to a separate room on the second floor, no one paid attention to him for several hours. Finally, the man (who was smaller in stature) actually opened the window and jumped through the iron fence to escape. I ran to a friend's house and hid for a while, but nothing happened after that, and the money was never paid back. But he himself said that he found on the Internet that he was still an Internet fugitive. In all these years, he has never taken a train, a plane, or stayed in a hotel.

The second one is also a man, about 40 years old. The couple owns a clothing store and both have credit cards. It was still CITIC. Last summer, it was still in the store. At noon, when the man was in the store by himself, CITIC Legal and the local people in the jurisdiction took him to the office for questioning. He was asked to call home and asked to pay. Finally, the next morning, his wife brought 3,000 yuan and he came back.

The third one is a woman in her 30s. The couple runs a restaurant. Both of them also have a credit card each. Last autumn, three months after the woman's Bank of Communications payment was overdue, she received a call saying that she could come to the local credit card center to negotiate for repayment. The woman went there and was taken away by police officer J from the 110 area where the bank called the police. They also questioned her and said she was suspected of using a credit card++. The woman was frightened and called her husband. The man bought two cigarettes and went there. At 9 o'clock in the evening, many people came back.

The purpose of talking about these real cases is to explain that the economic investigation calls mentioned by the questioner are most likely to be fake collections. If you go there, the other party will call the police and contact the local people to take you away. You cannot If you are sure to file a case, it will only make you sick for 24 hours, but you can still do it.

On the other hand, if you are indeed suspected of committing a crime and receive a verbal summons from the public security organ, then the other party will clearly inform you that you are required to voluntarily go and cooperate with the investigation. You must go directly to the public security organ and cannot be any other person. place.

Through these cases, debtors are also reminded that after their credit card is overdue, they should treat it proactively immediately and should not avoid avoiding the problem. In particular, you should face up to the overdue period from the bottom of your heart and organize your financial data. At least you should be able to clearly explain to the bank how long you have used the credit card, how many bills are due, what is the limit, how much is the last bill, and whether there are installments. How many repayments have been accumulated before, how much money, etc. When you first communicate with the bank about overdue payments, you can clearly explain your situation. I believe you will save yourself a lot of unnecessary trouble later and handle the problem naturally. You won’t be too passive!

Don’t go! Let the banks go to ++ to ++ themselves! You have to answer the key phone calls. Don't admit that you can't afford it, but you just have some problems. Pay back one or twenty every month and leave the conflict to the bank. If you evade, you may be held accountable. Remember, you don’t owe your life if you owe money to the bank!

I received it in January, years ago. I had an overdue principal of 26,000 yuan, plus interest and penalties, and more than 4,000 yuan. Let me first describe the situation to you.

There are a lot of words, all of which have just been experienced. They are all practical information and no nonsense. I hope it will be helpful to you.

First of all, I am overdue on multiple platforms, so I don’t answer many calls. If I do, it won’t explain the problem, let alone solve it.

That morning, my ex-wife called me and gave me a number to contact me immediately. She was the emergency contact for my credit card. He didn’t make it clear who this person was. I called and the man said he was from the XX City Municipal Bureau. , Report Review Center, please note that this unit was later confirmed by many parties to not exist. Moreover, my household registration has long been in my current city, and the city where the "police officer" belongs is my birthplace. The "police officer" told me that there was a report that required my assistance, and that he would bring an immediate family member to him within a day or two to assist him, and then gave me a director of Industrial Bank to contact him first to see if he could resolve your debt and ask the bank to withdraw the lawsuit.

The director of the bank also contacted me and told me that it was overdue and asked me how to solve it. Then he would help me withdraw the lawsuit, waive the penalty, and only keep the principal.

Actually, I had a lot of questions at the time, and I searched online to see if anyone had encountered such a situation. Moreover, I have a friend who is a policeman who works in economic investigation, and he also verified it with me, and it was false. It was a debt collection routine, but as the client at the time, I didn’t want to make the matter bigger, but wanted to lend a hand in debt collection and ask my family to help me, and pay back more or less. In the end, my family helped me get the principal and paid it back. , deposited at the bank counter.

My answer to you is, if you can pay it back, get rid of him, start working immediately, and work hard. If you can't pay it back, don't answer any calls and don't believe any tricks. First of all, the official will not speak for the bank and ask you to pay it back. In addition, if the single card does not exceed 50,000, it will be fine. Do you understand? If you come to your door one day, sit down and explain it slowly. But it must be true and sincere, not a stalemate.

@Yechengxiaopang, as a former credit card collection account manager, I will tell you that this call is most likely made by an outsourced collection company to scare you. If it is really a call from an economic investigation, I will give you the address. , just go over and cooperate and have a good negotiation. As long as the case is not officially filed, you still have a chance.

For the general process of credit card collection, if you are interested, you can read my other answers. The poster asked this question when he received a call from the economic investigation and asked him to cooperate with the investigation. This process of collection will most likely occur in the territorial collection. Local debt collectors usually make multiple visits to the door or make no actual progress in phone debt collection. They will use the unit's infrequently used landline phone to carry out this operation. They will falsely claim to be from the Economic Investigation Detachment of the Public Security Bureau or ++ to notify the debtor and the bank. After many failed negotiations, they have now resorted to other tactics, taking advantage of the debtor's fear and exerting pressure again to collect debt.

Of course, the poster may have indeed received a call from the Economic Investigation Team, because the bank will really give the public security bureau a list of customers with debts who plan to report the case, and those who are willing to negotiate and deal with it, as well as the final Opportunities are really rare. Sorry, people will be arrested for credit card++ crimes.

So, @叶城小盈 sincerely advises everyone to consume reasonably, overdraft reasonably, cherish your credit, and find a way to solve the problem if it is overdue. There is no way out for the old laity.

If the economic investigation calls you and asks you to go over and investigate, then just go there. What do you have to worry about? The fact that you are currently overdue is just a problem with your personal repayment ability, and it is not that you have committed any crime. Whether it is an economic investigation, the police or ++, if they find you, you can just respond to the lawsuit normally. There is no such thing. No big deal, but you hold a credit card worth over RMB 30,000, and it is overdue for half a year. You have also incurred a lot of interest and liquidated damages. You do need to repay this debt to the bank, although the bank's debt interest and liquidated damages More often, but in this case, it is completely possible to negotiate the installment. If the installment negotiation is completed with the bank, then you need to decide with the bank how many installments you will pay and how much you will pay back each month? That's it. Regarding the issue of credit card debt, I have said it many times. It is recommended that debtors must resolve the debt as soon as possible if it is overdue and negotiate the installment as soon as possible. Otherwise, they will ignore it for a long time. , then there will be overdue, and then there will be an increase in interest, which will eventually lead to problems with your personal credit report. In this way, it is better to make installment repayments earlier, so I advise men if they are overdue. , you must take the initiative to negotiate and repay in installments is the best

It is recommended to video record the entire process when answering such calls. I have encountered it. This is actually urging the company to pretend to be an identity! Leave evidence so you can deal with him

What should you do if your credit card is overdue and you are summoned by the economic investigation? Will he go to jail?

Yiteng’s point of view:

Article 8 of the "Interpretation on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases Obstructing the Management of Credit Cards" stipulates: Malicious overdraft, the amount is more than 50,000 yuan and less than 50,000 yuan. If the amount is one hundred thousand yuan, it shall be deemed as a "relative amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 500,000 yuan and less than 5 million yuan, it shall be deemed as a "relative amount" as stipulated in Article 196 of the Criminal Law. The amount is "huge"; if the amount is more than 5 million yuan, it shall be deemed as the "especially huge amount" stipulated in Article 196 of the Criminal Law.

In other words, if the overdue amount is more than 50,000 yuan, it will be deemed as a malicious overdraft, constituting a credit card++ crime, and you will need to bear criminal responsibility. Therefore, if a credit card is overdue and is summoned by the economic investigation, it can be divided into two situations.

1. The overdue credit card amount is more than 50,000 yuan

Once you are summoned by the economic investigation, it means that you have entered the judicial intervention process. In fact, reaching this step means that you have reached a very serious and serious situation. A complicated situation. The final step at this point is to negotiate a settlement with the bank; as long as it is not a serious criminal offense, has a good attitude, and cooperates with the investigation, mediation can generally be successful.

2. The overdue amount of the credit card is less than 50,000 yuan

If you are summoned at this time, it is most likely to be fake, and it is most likely to be counterfeit by the collection staff, because the overdue amount of the credit card is below 50,000 yuan. If the amount is less than 50,000 yuan, according to the criminal law, you will not be held criminally responsible, nor will you be investigated, and of course you will not be summoned. Of course, the bank has the right to ++ you, and you still have the obligation to repay.

Some cardholders don’t know much about credit cards. They think it doesn’t matter if they have no money and have been late for a while. You can’t find me anyway. The most you can do is call me to collect. What can you do to me? As everyone knows, credit card breach of contract is not handled as a breach of contract, but as a credit card ++ crime. The former is civil ++ and will be enforced at most, while the latter can be criminally detained and even prosecuted and sentenced.

So how should we handle it correctly when we have been summoned by the economic investigation?

First, keep the phone open, actively cooperate with the economic investigation to explain your situation, and clarify a positive repayment attitude

Second, take the initiative to find the card issuer to explain the situation, and come up with a positive attitude, it is best to have evidence or prove the reason for your overdue, and record the entire process to retain the evidence

Third, take the initiative to repay within your ability

Fourth, negotiate with the card issuer A repayment plan that allows the card issuer to withdraw the case from the economic investigation to ensure that you are not detained before prosecution and the criminal case is converted to a settlement. The purpose of the bank is to make you repay, not to subject you to legal sanctions;

In any case, repaying debt is a matter of course, and it is still the bank’s money. I hope that friends who have overdue cards will take the initiative to contact the card issuer as soon as possible. Communicate with the bank about repayment, and do not avoid or lose contact. If you are temporarily unable to repay, you can reach a personalized installment repayment agreement with the bank in accordance with Article 70 of the Measures for the Supervision and Administration of Credit Cards of Commercial Banks. Avoiding will only make the situation worse.

Facing debt proactively is the correct way to deal with it!

This is just a family opinion. If you have different opinions, please leave a message in the comment area and we can discuss it together.

My dad owes 100,000 on his credit card and it is overdue. I have now received a text message from the Economic Investigation Brigade. What should I do?

Your dad owes 100,000 yuan on his credit card. It is best to take the initiative to communicate with the bank staff (collection department or legal affairs) of the credit card center of the issuing bank to reach a solution.

< p>If you keep avoiding, refuse to answer calls from the bank, and refuse to repay, and your dad’s bank credit card arrears exceed RMB 50,000,

Once the bank reports the case, your dad will Suspected of the "Credit Card++ Crime" in Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China, he was summoned to the case by the investigation department of the public security organ for investigation and handling in accordance with the law.

However, when the ++++ investigation department of the public security organ summons a suspect suspected of a credit card++ crime in accordance with the law,

it will adopt the following methods;

1. A verbal summons by phone, The department police will call your father. First, the police will tell your father his surname and police number, and the department he belongs to. They will briefly explain the issues your father is involved in, and notify your father to cooperate with the investigation at the public security organ at the specified time. If your father refuses to answer the phone or the phone is shut down, the police may also call your family members and ask them to notify them on their behalf. Now is the era of smart public security big data. The police will use your father’s ID card information left in the bank and obtain the crime through the public security big data system. The contact information of the suspect's family members is a matter of seconds,

Second; door-to-door summons,

usually two or more police officers from the case handling department (maybe one) The police (one assistant police officer) holds a summons issued by the legal department of the public security organ and goes to the suspect's home to summon the suspect.

Three; custodial summons,

for For suspects involved in the case who refuse a verbal summons by the public security organ or a door-to-door summons with a subpoena certificate, the public security organ can issue a compulsory summons, that is, a custodial summons.

Two or more police officers from the handling department will come to the door with a subpoena certificate to execute the case. The suspects involved in the case were summoned and handcuffed and forcibly taken back to the public security organ for investigation.

The public security organs will not inform and discuss the specific case details with the suspect or his family members on the phone, let alone send text messages to the family members.

So, the text message you received from the "Economic Investigation Department" was sent to you by a third-party collection company pretending to be a police officer of the public security agency. You should keep the evidence of the text message and report it to the public security agency in a timely manner. .

Let me tell you clearly that the economic investigation will not call you but send you text messages. This is just a means of collection. Keep evidence and be prepared to counterclaim the debt collector. I have never heard of the police telling the other party before arresting someone

Don’t be afraid, it’s a text message sent by the person collecting the money. Take a screenshot of the text message as evidence. If the fixed limit of a single card is over 50,000 yuan, you will be charged by the bank++ possible

What should you do? What you have to do is tell your dad to first confirm whether the call is really from the economic investigation.

If not, keep the relevant evidence and report it to the police to tell the bank that they are impersonating their identity and threatening to intimidate you. If so, it means that the bank has reported your father's credit card fraud to the public security ++ and summoned your father to explain the situation to the public security bureau.

At this time, you must go to the Public Security Bureau to explain your overdue situation and put forward your repayment opinions. If you ignore it, the police will transfer the case to the procuratorate for public prosecution. This is a criminal case and you will be jailed.

If it really comes to this point, don’t panic. You must hire a lawyer to defend you at this time. Mainly focusing on several aspects of defense against malicious credit card overdrafts. First, there is no forgery of credit cards, and second, there is no overdraft cash-out credit card that is knowingly and incapable of repaying. Third, there is no intentional failure to answer the phone or lose contact with the bank when collecting debts. The fourth is to issue a proof of poverty, proof of personal debt, unemployment, or proof of poverty due to unexpected illness. Fifth, you must express strongly and fully that no matter what you say now, you must fulfill your repayment obligations and hope to negotiate a repayment agreement with the bank.

The key and skill in communication is that when your father talks to the Public Security Procuratorate++, you must let them have enough sympathy and understanding for your father's current situation. The consequence of this is that they will communicate more from your perspective and maximize the negotiation between your father and the bank.

For judges, prosecutors and police officers, pre-trial settlement of cases is the best indicator for their work assessment. Besides, the bank's ultimate goal in suing your father is to get back the debt, and he is willing to negotiate. The result of such negotiation will be the most beneficial to your father. If the adjustment is not good, as long as you pay back the principal and then pay a very small amount of interest, and the maximum number of installments is 60.

In short, when the public security summons your father for verification, the bank must have reported the case to the public security organ and requested your father’s credit card++ to be filed, and the bank must have obtained and provided relevant evidence. If your father could understand one or two of these things, he would be more proactive in your defense. As you, be yourself, give your father some pertinent and benign suggestions, say less negative words and temper to him that do not solve the problem, and encourage him to face the problem bravely and solve it head-on. Debt is not a terrible thing. The poorest people are just begging for food. As long as people are willing to endure hardships and work hard, the debts will eventually be paid off.

You can keep all these evidences. I was in the same situation. My wife actually took me to the Economic Investigation Brigade, and we also met the investigators. The police directly said that there was something wrong with both of our minds. What they said was, if you think about it, would we inform you in advance if we wanted to arrest you? Did I tell you to run away? Just call the bank directly and tell them you want ++. Their method is intimidation

If you are a good father, you can bear all this silently with him. It would be better if you can share the burden, so don't panic. If you are a bad father, live your life well and believe in cause and effect. Everyone must be responsible for their own actions.

First go to the old man alone to confirm whether it is true. If there is no such thing, don’t worry about it. If it is confirmed that the debt is owed, then ask your old man to recruit the real money. It is estimated that the scam will exceed 100,000, so be mentally prepared.

My dad owes 100,000 on his credit card and it is overdue. I have now received a text message from the Economic Investigation Brigade. What should I do?

First of all, you need to figure out whether it is a real notice from an economic investigation or a trick from a collection agency. Generally speaking, the economic investigation will not notify the parties via text messages or personal mobile phones, but will use the economic investigation's office phone to notify the parties. Therefore, if it is a text message notification, it is most likely a scam by the debt collector.

If it is really a notice from the economic investigation, it is guessed that most of the parties involved have met the conditions for filing a credit card++ crime.

1. The conditions for filing a case for the crime of credit card ++ are: overdraft of a credit card, more than 50,000 yuan per card, and refusal to repay the credit card after two or more effective collections by the card issuer for three months constitutes the crime of credit card ++. Generally, The situation is less than five years++++.

Credit Card

2. Let’s interpret the above provisions in a simple way. First, the overdraft amount exceeds 50,000; second, the bank has called for collection many times, but the party concerned ignored it; third, there has been a period of It's time.

3. After understanding the above content, the rest is easy to say.

First, don’t think that you can overdraw your credit card without repaying it at will. If the amount is large and you refuse to repay, the bank will never let it go.

Second, after overdrafting your credit card, don’t think that you will be fine if you hide. On the contrary, this will create conditions for you to be held criminally responsible. For example, refusing to answer collection calls, not notifying the bank when changing residence, long-term non-payment of principal and interest, etc.

Third, when the matter has reached the current stage, it is recommended that the parties involved negotiate with the card issuing bank to resolve the problem in a timely manner, such as repayment in installments, etc. If the parties involved show sincerity and return part of the money first and negotiate to resolve the rest, in most cases the bank will agree.

Fourth, as long as both parties reach consensus, the bank can withdraw the case. Whether to pursue criminal liability mainly depends on the attitude of the bank. Therefore, the matter is now here. The parties involved should not be stubborn and take action to solve the case as soon as possible. Problem, otherwise, it is not impossible to spend a few years in jail.

Don’t be afraid, as long as the money is used for normal consumption, there is no problem of going to jail. Actively cooperate. They just want to understand the situation. At most, they will persuade your dad to pay back the money early. Of course you have to pay back the money if you have money. If you don’t have money, it’s okay. Just explain the situation clearly. Just pay it back when you have the money. If it's ++, it's no big deal. At most, it will be judged that if you have money, you can pay it back and then ++ will apply for enforcement for two years. The most important thing to remember is not to lose contact, and never to lose contact. There is no need to change your phone number to avoid being tricked by the bank into "suspecting a credit card++". Some people are very bad, and then face it positively, as long as you have You can get through difficult times with a positive attitude.

What are the standards for credit card ++ economic investigation?

1. What are the criteria for filing a credit card++ economic investigation? If any credit card++ activity is suspected of one of the following circumstances, a case shall be filed for prosecution: (1) Using a forged credit card, or using a false identity Prove that the credit card was obtained fraudulently, or an expired credit card was used, or another person's credit card was used fraudulently to carry out ++ activities, with the amount exceeding 5,000 yuan; on the "Interpretation of Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Obstructing the Management of Credit Cards" (2018 According to the regulations (modified in October 2018 and effective from December 1, 2018), use forged credit cards, credit cards fraudulently obtained with false identity documents, invalid credit cards, or fraudulently use other people’s credit cards to conduct credit card++ activities 1. The amount is relatively large: more than 5,000 yuan but less than 50,000 yuan. 2. The amount is huge: more than 50,000 yuan but less than 500,000 yuan. 3. The amount is particularly huge: more than 500,000 yuan (2) Malicious overdraft. The "malicious overdraft" stipulated in this article means that the cardholder overdrafts beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and fails to return the card for more than three months after two effective calls by the card-issuing bank. 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 and other fees charged by the card-issuing bank. The amount returned or paid shall be deemed as the return of the actual overdraft principal. If the amount of malicious overdraft is relatively large and the overdraft is fully returned before the prosecution is initiated or there are other minor circumstances, the penalty may not be waived; if the amount is fully returned before the first instance judgment or there are other minor circumstances, the criminal penalty may be exempted. However, this does not apply to those who have been penalized more than twice for credit card++. Judging from the provisions of the "Interpretation on Several Issues Concerning the Specific Application of Laws in the Handling of Criminal Cases Obstructing the Management of Credit Cards" (revised in October 2018 and effective from December 1, 2018), 1. The amount is relatively large: within 50,000 yuan More than 500,000 yuan but less than 500,000 yuan 2. The amount is huge: more than 500,000 yuan but less than 5 million yuan 3. The amount is especially huge: more than 5 million yuan. According to the above criteria for filing a credit card++ case, the criteria are whether it is an intentional act and whether it constitutes financial losses to others. If the offender is not a minor or an elderly person, then his or her behavior will receive severe criminal penalties. Therefore, today’s young people should use credit cards rationally and stop using them when there is insufficient balance to ensure normal use in the future.

My credit card is overdue and I received a call from an economic investigation asking me to undergo an investigation. Do I have to go?

Credit card +++, the first trial of the case was +++ for seven years, and the second trial was acquitted. My credit card was overdue and I received a call from the economic investigation and asked me to undergo investigation. Do I have to go? First of all, when receiving a verbal summons from the case-handling agency, you must go and cooperate with the investigation, otherwise you may be forcibly summoned. Secondly, if one is indeed suspected of a crime, accepts a verbal summons from the public security organ, takes the initiative to cooperate with the investigation, and makes a truthful confession, it can be regarded as surrendering in judicial practice.

I received a call from the economic investigation when my credit card was overdue and asked me to accept investigation

Economic++ cases are accepted by the ++ Economic Tribunal. If it is a suspected ++++ case, of course, the public security tribunal will handle it. The agency ++++ investigation team filed the case for investigation. What does "larger amount" mean? It is also the standard for filing a crime. According to the value of ++ public and private property between 3,000 yuan and 10,000 yuan, it is deemed to be "a relatively large amount". If a forged credit card is used, a credit card is obtained fraudulently with false identity certificates, a invalid credit card is used, or someone else’s credit card is used to conduct credit card++ activities, and the amount is more than 5,000 yuan but less than 50,000 yuan, it shall be deemed as a “large amount” .

Is it necessary to go?

If your information is fraudulent, or you have never paid it back after cashing out, and it is believed that you are illegally possessing the credit card++, then the economic investigation may intervene. If this is not the case, it should be a third-party collection method, but it is also illegal to pretend to be an economic investigation. If the economic investigation is really looking for you, you must go and face it proactively. Generally, it is just a collection routine commonly used by collection companies after banks outsource it. You don’t need to be too nervous, but it is wrong to not pay back the money you owe. The most direct impact is that it will affect your personal credit report and your future loans. We should also take the initiative to go to the bank to solve this problem.

With limited manpower, even if the bank reports the case, it will most likely be rejected and the case will be resolved through negotiation. The economic investigation manpower is very limited, and they focus on big cases, cases with relatively high influence, even a credit card matter, they will not accept this case at all.

I have encountered such a thing. I went to the economic investigation to report the case, but because the amount was more than 50,000, they ignored me.

That’s it for the introduction of economic investigation credit cards.