Legal Subjectivity:

Don’t panic if your credit card is overdue, because for overdue users, most banks have a grace period. As long as you pay off the overdue bill within the grace period, That’s it. If you have exceeded the graceful repayment period, you can call the bank to negotiate, explain to the bank that you did not intentionally overdue, show your sincerity, and then pay off the bill in full after obtaining the bank's consent. After your credit card is overdue, you should pay attention to the following three points: First, the longer it takes to pay the overdue balance in full, the more penalty interest will be incurred. In addition, if it exceeds three months, you will also be legally responsible. The second point is that you must answer the bank's phone. If you don't answer the phone, the bank will think it is a deliberate overdue payment, and may even run away, and it will be regarded as a malicious overdraft. The third point is, continue to use your credit card and repay it on time. If there is an overdue record on your personal credit report, it will be retained for five years. During this period, you need to use the card healthily to wash away the stain and use the card well. Behavior will slowly cover up your overdue records. The law is objective:

Article 196 of the Criminal Law: Whoever commits credit card fraud in 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 20,000 yuan A fine of not less than 200,000 yuan but not more than 200,000 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 , shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have property confiscated: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identification; (2) ) Using an expired credit card; (3) Pretending to use another person’s credit card; (4) Malicious overdraft.