1, will you go to jail for credit card arrears?
If you maliciously overdraw your credit card and refuse to repay it, you will not only have to pay high interest, but you may also go to jail!
Malicious overdraft means that the credit card holder overdraws the bank debt beyond the prescribed limit and time, and has not paid it back for more than three months after the bank's two collections, which violates the provisions of Article 196 of the Criminal Law. Malicious overdraft, after the public security organ files a case and before the people's court announces a judgment, if the cardholder chooses to repay all overdraft interest, he may be given a lighter punishment, and if the circumstances are not serious, he may be exempted from punishment.
2 credit card holders shall be investigated for criminal responsibility under the following conditions:
1, the credit card holder overdraws the credit card by more than 1 ten thousand yuan;
2. Overdue for many times;
3. If the cardholder fails to repay the loan twice after the overdue repayment, the cardholder will commit a crime. In the above situation, credit card holders will be investigated for criminal responsibility.
3. How much credit card debt will go to jail?
According to Article 6 of the Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management, if a credit card holder is more than 6,543.8+0 million yuan but less than 6,543.8+0 million yuan, it constitutes a criminal act and will be investigated for criminal responsibility by the bank.
According to the relevant laws and regulations, a malicious overdraft of more than 80,000 yuan belongs to a large amount. According to Article 196 of the Criminal Law, it can be sentenced to fixed-term imprisonment of not more than five years and a fine of not less than 20,000 yuan but not more than 200,000 yuan.
Extended data
If it is a credit card of China Merchants Bank, if the minimum repayment amount of the bill is not returned in time before the due repayment date, it will be charged with late fees and interest, and personal credit will also be affected. The overdue fine is 5% of the unpaid minimum amount, and the minimum fee is RMB 10 yuan or USD 1 yuan. Interest means that all consumption in the current period is charged from the bookkeeping date (usually the day after consumption), and the daily interest rate is five ten thousandths until it is fully paid off. ? In order to avoid affecting personal credit, it is recommended to repay on time. If it is not convenient to pay off the bill in full, please pay off at least the minimum repayment amount on time. ? Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount 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 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.