Legal Subjectivity:

Overdue credit card debt will generate a bad credit record, which will affect personal credit and future credit business, such as loans, car loans, home loans, other businesses, etc.; overdue Repayment will accrue interest and late fees. If the debt is owed for too long, high interest and late fees will accrue. If you are sued for a CITIC credit card debt, your attitude is very important. According to Article 196 of the "Criminal Law of the People's Republic of China": Whoever commits credit card fraud under 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 not less than 20,000 yuan but not more than 20,000 yuan. A fine of not more than 100,000 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, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years; A prison sentence of not less than ten years or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identification (2) Invalidation of use (3) Pretending to use someone else’s credit card (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. Therefore, if a credit card debt is overdue for a long time and the bank fails to pay after several calls, the bank has the right to file a civil lawsuit. If the circumstances are serious and the amount is huge, it will also become a criminal offense. It is very important for you to make your attitude clear now. No matter how much you owe, you should pay off part of the debt first, and then take the initiative to negotiate the repayment with the bank. Give the bank a repayment period, which means that you will eventually pay off the debt, and the bank will generally not insist on it. sued. Legal objectivity:

Article 177-1 of the "Criminal Law", whoever obstructs the management of credit cards under any of the following circumstances shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall be fined concurrently or separately to a fine of 10,000 yuan A fine of not less than RMB 100,000 but not more than RMB 100,000; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years, and shall also be fined not less than RMB 20,000 but not more than RMB 200,000: (1) Holding a credit card knowing that it is a counterfeit Possessing and transporting blank credit cards, or knowingly holding and transporting blank credit cards in large quantities; (2) illegally holding other people's credit cards in large quantities; (3) using false identity certificates to fraudulently obtain credit cards; (4) Selling, buying, or providing others with forged credit cards or credit cards fraudulently obtained with false identity certificates. Anyone who steals, bribes or illegally provides other people's credit card information shall be punished in accordance with the provisions of the preceding paragraph. Any staff member of a bank or other financial institution who takes advantage of his position to commit the crime in Paragraph 2 shall be severely punished.