A credit card debt of 500,000 yuan will be sentenced to several years in prison

If the money owed to the bank is a malicious overdraft of more than 500,000 yuan but less than 5 million on the credit card, the sentence will be not less than five years but not more than ten years. If a cardholder maliciously overdrafts a credit card of more than 50,000 yuan for the purpose of illegal possession and fails to return it for more than 3 months after two collections by the card-issuing bank, he or she is suspected of a credit card crime and can be investigated and held criminally responsible. If all overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, the punishment may be reduced or criminal liability may be waived. Malicious overdraft refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card for more than three months after being called upon twice by the card-issuing bank. Article 196 of the "Criminal Law of the People's Republic of China": Whoever engages in credit card activities under one of the following circumstances and the amount is relatively large shall be sentenced to 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, the penalty shall be not less than five years but not more than ten years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; A fine of not less than 50,000 yuan but not more than 500,000 yuan or property confiscation may be imposed: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Using someone else’s credit card falsely Credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. "Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Obstructing the Management of Credit Cards" Article 6 If a cardholder exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possession, the card-issuing bank still fails to pay for it more than three months after two effective collections. If it is returned, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law. Whether the purpose of illegal possession is for illegal possession shall be determined based on the cardholder's credit record, repayment ability and willingness, status of applying for and overdrafting the credit card, purpose of overdraft funds, performance after overdraft, reasons for failure to repay as required, etc. judge. The purpose of illegal possession shall not be determined solely based on the fact that the cardholder failed to repay the card as required. "Interpretations of the Supreme People's and Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impeding the Management of Credit Cards" Article 8: Malicious overdrafts, the amount of which is more than 50,000 yuan but less than 500,000 yuan, shall be deemed as Article 190 of the Criminal Law A "large amount" as stipulated in Article 6; if the amount is more than 500,000 yuan but less than 5 million yuan, it shall be deemed as a "huge amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 5 million yuan, , should be determined as an “especially huge amount” as stipulated in Article 196 of the Criminal Law.

What is the total credit card limit of 500,000 yuan?

It shows that this person's economic conditions are very good. The limit of ordinary people's bank credit cards is generally within 100,000 yuan.

1. The total credit card limit of 500,000 is already very high.

The starting credit limit of most banks’ diamond credit cards is more than RMB 500,000, and the maximum credit limit of some banks’ diamond credit cards can reach RMB 5 million. Of course, diamond credit cards have relatively high requirements on customers’ assets, income, and spending power, so it is not something that can be applied for just by looking at it. Diamond credit cards should be considered the most high-end credit cards we have access to, and their limits are usually very high.

2. How is the credit card limit affected?

1. Economic ability. Proof of personal income from the workplace is an important factor in determining the credit card limit, and can indicate whether the cardholder's income is stable and repaying ability. If the applicant is from a high-income industry, extra points will be added during the rating, which is very beneficial to increasing the quota.

2. Housing situation. One of the important factors. If the credit card applicant owns a personal home, it proves that he has a certain financial foundation. In this case, the bank is willing to let him become a credit card user and will often take the initiative to increase the limit.

3. Credit record.

Nowadays, the credit records of all banks are connected to the Internet. If the credit card user has opened an account in the bank in the past and has a record of funds entering and exiting, then some cardholders will have bad records such as penalty fees and other bad records. When he applies for a limit increase, the bank will Consider it as appropriate; on the contrary, if the record is good, the quota will be raised smoothly.

3. What to do if your credit card limit is low.

If the credit card limit is relatively low, it can affect everyone's life to a certain extent. If you spend it all without paying attention to the limit, it really makes people feel uncomfortable. If the credit card and your debit card are from the same bank, you can keep them first. As for the cards from other banks, you can cancel them depending on the situation, mainly keeping one or two cards. If the card has no annual fee, you can also keep it and slowly "cultivate" it. After all, if you don't sell it, you won't have to pay an annual fee. If there is an urgent need for money in the future, it can also solve your urgent need. .

How much wool can a 500,000 credit card earn in a month?

750,000. Credit card interest accrues from the day of payment, and the daily interest rate is 0.5%. Taking a 30-day month and a principal of 500,000 yuan as an example, the interest calculation formula for 500,000 yuan is as follows: 5,000,000.0530 days = 750,000 yuan. A 500,000 credit card can earn 750,000 wool a month. A credit card is a card provided by a bank to users that requires no cash for payment and only requires repayment on a specified date. 1. Credit cards are divided into credit cards and quasi-credit cards. 2. The role of credit cards: It facilitates people’s lives and saves them the trouble of carrying cash. 3. Credit cards have uses: they can relieve financial pressure, owe less or no favors; they can add points to your credit score, etc.

This concludes the introduction to the annual handling fees for a 500,000 credit card and a 500,000 credit card. Have you found the information you need?