I owe the bank credit card 16 thousand, which is more than three months overdue. If I return it now, can I apply for a credit card at another bank in the future? No chance. Because no matter which way you apply for a bank credit card, you will go to the Credit Information Center of the People's Bank of China to check your credit report, and your bad records that are overdue for three months are basically rejected.
The bad records of the Credit Information Center of the People's Bank of China will be deleted after five years, which cannot be deleted artificially and will not be overwritten.
Huaxia Bank owes credit card debt of 16000 yuan, which exceeds the prescribed limit or time limit, and has not been returned for more than 3 months after being collected twice by the issuing bank, which belongs to "malicious overdraft" as stipulated in Article 196 of the Criminal Law, and the debtor constitutes the crime of credit card fraud. Those who are investigated for criminal responsibility 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 200,000 yuan.
2. If the credit card debt is 16000 yuan, the debtor will have a bad credit record, which will have a serious impact on credit consumption behaviors such as refinancing and handling credit cards in the future.
Article 196 of the criminal law stipulates the crime of credit card fraud. According to Article 196 of the Criminal Law and Article 6 of the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management, if the amount owed by a credit card is more than 10,000 yuan, and it is still not returned after being urged by the issuing bank for more than three months twice, it belongs to "malicious overdraft" as stipulated in Article 196 of the Criminal Law, and the debtor constitutes the crime of credit card fraud.
criminal law
Article 196 Whoever commits credit card fraud under any of the following circumstances, if 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 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 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.
The term "malicious overdraft" as mentioned in the preceding paragraph 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.
Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.
Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management.
Article 6 If a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than three months after being repeatedly urged by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.
In any of the following circumstances, it shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196th of the Criminal Law:
(a) knowing that there is no repayment ability and a large amount of overdraft can not be returned;
(two) squandering overdraft funds, unable to return;
(3) Escaping after overdraft, changing contact information and avoiding bank collection;
(4) evading or transferring funds, concealing property or evading repayment;
(five) the use of overdraft funds for illegal and criminal activities;
(six) other acts of illegal possession of funds and refusal to return them.
Malicious overdraft, the amount of which is more than 6,543.8+0,000 yuan but less than 6,543.8+0,000 yuan, shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; 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; If the amount is more than 6,543.8+0,000 yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.
The amount of malicious overdraft refers to the amount that the cardholder refuses to return or has not returned under the conditions stipulated in the first paragraph. Does not include compound interest, late fees, handling fees and other fees charged by the issuing bank.
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. If the amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files a case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law.
What happens if the credit card owes the bank 12 thousand? Try to stage before the deadline. If it is overdue, borrow money and pay it back quickly;
There is not only a late payment fee of 5% for the minimum unpaid part, but also a penalty interest for the full amount of the bill (the daily interest rate is 0.5 ‰, which starts from the day of consumption, and the interest is recovered monthly until the principal and interest are paid off), and a bad credit record is generated in the Credit Information Center of the People's Bank of China, which affects the application for credit cards and bank loans within five years.
If the payment is overdue for more than three months or the bank makes more than two reminders, 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.
I owe my credit card to Shanghai Pudong Development Bank every month, and the bank will call the police. That's because you didn't repay the money as required by the bank. This is not all you want. You owe me 50 thousand and pay me 500 every month. I don't agree.
I owe Ping An Bank a credit card of 10,000. The bank reported the case to the police. Can I pay half now? You can negotiate with the bank. 1.5 Return it first, and then return it later. Otherwise, fines and imprisonment may occur if legal proceedings are entered.
The credit card owes 50 thousand. Can I only pay 300 yuan a month now? I can apply for two-year installment at most. At least 2084 plus seven thousandths of interest every month, which means you have to pay back at least 2434 yuan every month for two years. Or you can find someone to raise a card.
Buying a car with zero down payment makes people deceived. Now I owe the bank credit card 1 10,000, and the car loan is 654.38+0.4 million. The bank has reported the case. Is it civil or criminal?
My credit card limit is 16000 yuan. Why do you say I owe 26 thousand? If it is a China Merchants Bank credit card, please call customer service to verify the account information because Baidu platform cannot verify it.
My bank of communications credit card still had 16 thousand principal outstanding a year ago How much should I pay now? Online banking can calculate the total debt as of the trial date through trial calculation, including the amount of unbilled and current bills, as well as the interest of unbilled bills. Excluding the remaining installment and the remaining installment fee. The operation steps of online banking to query the current trial balance amount are as follows: logging in to online banking → credit card → credit card management → account information.