If the bank credit card is overdue, it is not just detention. Anyone suspected of credit card fraud, with an amount of more than 30,000 yuan, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall be fined not less than 20,000 yuan but not more than 200,000 yuan.
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.
If the bank has reported the case, the public security organ will generally summon the cardholder to urge repayment within one week, or directly detain the suspect.
1. It is a breach of contract not to repay after the credit card is overdrawn. The bank may require the cardholder to repay the principal, overdue interest, late payment fee and over-limit fee, etc. If the bank sues the court and wins, the cardholder will also bear the litigation costs.
2. Secondly, if the cardholder maliciously overdraws a certain amount for the purpose of illegal possession and fails to pay it back within the time limit, it will also bear criminal responsibility. (overdue 10000 yuan or more, overdue for more than 3 months and still not returned by the issuing bank twice, suspected of credit card fraud).
3. Finally, overdue repayment will leave a bad credit record for the cardholder, which will affect the smooth progress of the cardholder's future loan.