1. What will happen if you are summoned by the economic investigation for owing a credit card?

Credit card debts should be repaid in time. Generally, overdue credit cards are civil disputes. If you are summoned by the economic investigation, A summons from the investigation department indicates that a criminal offense may be constituted, because a summons is a coercive measure used by the public security organs when handling criminal cases against criminal suspects who do not need to be arrested or criminally detained for the time being.

As long as the staff can issue relevant law enforcement certificates, the parties must cooperate with the subpoena. If they do not cooperate with the subpoena, the relevant departments can also take other measures. For cardholders, if they think that the economic investigation department If the summons violates national laws and regulations, you can also entrust a defense lawyer. However, the act of overdue credit card may constitute the crime of credit card fraud, and the case handling department can summon you in accordance with the law.

For criminal suspects who do not need to be arrested or detained, they can be summoned to a designated place in the city or county where the criminal suspect is located or to his residence for interrogation, but a certificate from the People's Procuratorate or the public security agency must be presented. document. Criminal suspects found at the scene may be summoned orally upon presentation of their work IDs, but this shall be noted in the interrogation transcript.

The duration of a summons or custodial summons shall not exceed twelve hours; if the case is particularly serious and complex and requires detention or arrest measures, the duration of a summons or custodial summons shall not exceed 24 hours.

Criminal suspects shall not be detained in disguised form by continuous summons or custodial summons. When summoning or detaining a criminal suspect, the criminal suspect's diet and necessary rest time shall be ensured.

2. 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 clearly and actively repay the loan. Attitude

Second, take the initiative to explain the situation to the card issuer and have a positive attitude. It is best to have evidence or prove the reason for your overdue date, and record the entire process to retain the evidence

Third, take the initiative to repay within your ability

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

In any case, repayment of debt is a matter of course. Once it is overdue, the cardholder should repay it as soon as possible and not try to evade it. If the cardholder is temporarily unable to repay the loan, he can ask his relatives and friends to borrow money to meet the current urgent needs, and then repay the money to his family and friends after he has money.