If the payment is overdue for more than three months or the bank fails to repay the loan twice, the bank will freeze your card, list you as a prohibited customer (blacklist), and will also sue you for credit card fraud and malicious overdraft, which will be enforced by the court. If you refuse to repay the loan after prosecution, and the amount owed exceeds 1 000, the court will impose a sentence on the crime of credit card fraud according to Article 196 of the Criminal Law!
Article 196 of the Criminal Law stipulates that in any of the following circumstances, if a large amount of credit card fraud is committed, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan shall 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 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate; (2) Using an invalid credit card;
(3) Fraudulent use of another person's credit card; (4) malicious overdraft. Malicious overdraft 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. You belong to the fourth situation.
If the amount is more than 654.38+10,000 yuan and less than 1 10,000 yuan, it shall be deemed as "huge amount" as stipulated in Article 196 of the Criminal Law;
Malicious overdraft should be investigated for criminal responsibility. However, if all the overdraft interest has been repaid after the public security organ files the case but before the announcement of the judgment of the people's court, the punishment may be given a lighter punishment, and if the circumstances are minor, the punishment may be exempted.
So your only way is to borrow money to pay it off! ! ! ! ! ! Because you owe a lot of money, and the bank should have urged you several times, right? Your nature is more serious, really! There are still six days left, so hurry to borrow money! I advise you not to challenge the patience of the bank!