Legal analysis: Pei Mouwei committed the crime of credit card fraud and was sentenced to four months' criminal detention, suspended for six months and fined 2, yuan.

Defendant Pei Mouwei, from 211 to 216, knowing that he had no proper job, his financial situation deteriorated and he was unable to repay, he still applied for multiple credit cards in China Agricultural Bank and other banks, and maliciously overdrawn a total of RMB 58,25.35 for lending, gambling, etc., but refused to repay after being urged by bank staff in various ways and times. It has not been returned until the incident.

The defendant confessed that in the process of handling credit cards, some qualifications were false.

I owed a lot of money, so I ran away. I didn't go to work in Jiangyin in Siyang, and my contact information was changed. I didn't tell the bank after the change, and the bank couldn't contact me since then and repaid the money after the incident.

Case highlights/credit card risk points:

Overdraft is used for illegal purposes such as lending and gambling;

When the financial situation deteriorates, I still apply for a credit card and overdraw it knowing that I can't repay it; Apply for a credit card by using fake qualification materials;

move and change contact information to avoid collection.

legal basis: article 4 of the law of the people's Republic of China on commercial banks, commercial banks may not issue credit loans to related parties; The conditions for granting secured loans to related parties shall not be superior to those for similar loans of other borrowers.

The related parties mentioned in the preceding paragraph refer to:

(1) directors, supervisors, managers, credit business personnel and their close relatives of commercial banks;

(2) companies, enterprises and other economic organizations in which the personnel listed in the preceding paragraph invest or hold senior management positions.