Case 1
The malicious overdraft of stock trading is 6.5438+0.5 million yuan.
Be released on bail pending trial.
20 10 retired worker dong borrowed two credit cards in the bank for stock trading, one for 5000 yuan and the other for 10000 yuan.
Unexpectedly, Dong lost money in stock trading and has been unable to fill the credit card vacancy. By the beginning of this year, two credit cards had already owed 45,000 yuan. The bank asked him for money, but he couldn't pay it back at the moment. He thought that he still had an old house, and he could pay off his debts after selling it, but after thinking about it, he had no place to go after selling it and had been hesitant to sell it.
After many delays, in July this year, Dong was targeted by the public security organs. "Whether he has the ability to repay or not, as long as he does not pay off within the time limit, it will constitute a malicious overdraft." The police at the Goldman Sachs Street Police Station told reporters.
He has been released on bail pending trial due to malicious overdraft.
Watch industry tourism
Overdraft 10000 yuan, several months in arrears.
Be released on bail pending trial.
Huang Peng (a pseudonym), a citizen, recently suffered such misfortune. Huang Peng is an employee of a company in Daying County. He has been handling credit cards for several years. Never borrowed more than 1 1,000 yuan, and never defaulted. He will pay it off within a week or two after each loan. But at the beginning of this year, due to the urgent need to pay tuition for his daughter, he spent 1 000 yuan by credit card, and the economy was unable to repay it for several months after credit card consumption.
"It's all my fault for my weak legal consciousness. I didn't expect such serious consequences! " Huang Peng regretted it. He said that the bank urged him twice, and he felt that it was nothing to wait for a while, so he defaulted on his debt. Unexpectedly, it constitutes a crime of credit card fraud.
During the period of being summoned for questioning by the public security organ, the bank shall repay the arrears of1.1. "Although he has now paid off his debts and may be sentenced appropriately, his charges will not be cancelled." The police told reporters. At present, Huang Peng has also been released on bail pending trial.
remind
Timely repayment to avoid legal risks.
"Credit card malicious overdraft refers to the overdraft behavior of the cardholder for the purpose of illegal possession, which exceeds the prescribed limit or time limit and is invalid after collection by the issuing bank. This is part of credit card fraud. " According to the personnel of the Economic Investigation Detachment of Chuanshan Public Security Bureau, for credit card holders, it is the first choice to avoid legal risks by doing what they can and repaying in time.
First of all, try to pay off the principal within 3 months after the second dunning by the bank.
Secondly, at present, many banks will determine the minimum monthly repayment amount according to the credit rating of cardholders. The minimum repayment amount is paid off on time, and the judicial organs generally will not pursue the criminal responsibility of the cardholder.
If the first two repayment methods cannot be realized, the cardholder can take the initiative to negotiate with the bank, reach a repayment agreement, and fully implement the repayment agreement, and the bank will generally not report the case.
In addition, the reporter also learned that the money returned by the cardholder is first regarded as returning the "principal". If the cardholder pays off the principal within 3 months after the second bank dunning, the judicial organ will not pursue the criminal responsibility of the cardholder.