contents of law popularization: new regulations on overdue credit cards in 222: 1. The penalty interest has been replaced by liquidated damages. If the cardholder is overdue, he only needs to pay 5% of the repayment amount at most; 2. Even if the cardholder has a credit card overdue problem, the bank shall not make illegal and violent collection, and some behaviors shall comply with the latest laws and regulations. In case of illegal collection, you will face criminal punishment; 3. The overdue penalty standard for credit cards is 1, yuan, but the current maximum penalty amount is adjusted to 5, yuan; 4. For those who have no repayment ability for a short time after some credit cards are overdue, but have a strong willingness to repay, the bank can handle personalized installment after consultation with the bank. During the negotiation process, a maximum of 6 installments of interest-free repayment plan can be signed for 5 years. If the amount owed is low, and it is not maliciously overdue, the bank will generally not prosecute the cardholder. However, for a large amount of arrears, a long time of arrears, and no willingness to repay, I want to maliciously overdue. The bank will prosecute the cardholder. If the overdue amount exceeds 5, yuan and the circumstances are serious, the cardholder will face the risk of going to jail. Article 196 of the Criminal Law of the People's Republic of China commits the crime of credit card fraud under any of the following circumstances. If the amount of credit card fraud is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, 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 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (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 act that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and still 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.