In real life, the use of traditional credit cards still exists, and people are often seen in the news media being investigated for criminal responsibility for suspected credit card fraud. This shows that there are still many people who use credit cards to "fall for it". When you owe a large sum of money to the issuing bank and cannot repay it, your credit will be seriously affected. If the situation continues to deteriorate, you will be criminally prosecuted, so the loss outweighs the gain.

Then the problem is coming. What should I do if I owe a huge amount of money on my credit card and worry about being investigated for criminal responsibility? Don't worry, look down slowly, let Brother Bao teach you a trick, and you can save the day.

The crime of credit card fraud stipulated in Article 196 of the Criminal Law has the precondition of "malicious overdraft". You will only be investigated for criminal responsibility if you are identified as "malicious overdraft" by the relevant departments. What you have to do is to prove to the bank or the procuratorate that you are not "malicious" but that you are unable to repay this large debt temporarily because of business failure.

So how do you prove that you are not malicious overdraft? In fact, you only need to do one thing.

Call the credit card customer service center of the issuing bank with your mobile phone and transfer to the manual seat. You must remember to record your conversation with the customer service staff for evidence. You told the customer service staff that you couldn't pay off all the debts at once because of business failure. You ask the bank to "stop paying interest" and sign a personalized repayment agreement with the bank in accordance with Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, with repayment in 60 installments over five years.

Customer service personnel have no right to agree to your request, but you must say so, and ask TA to record your call (usually recording) and upload your request to relevant departments in the computer background.

After completing these procedures, you can wait for the bank to inform you to sign a personalized repayment agreement. The advantages of doing this are: first, you will stop the bleeding of credit card arrears, and there will be no new expenses, such as interest and liquidated damages, which are increasing every day. Besides, everything you do is to prove to banks and relevant departments that you are not "malicious".

The Measures for the Supervision and Administration of Credit Card Business of Commercial Banks is a regulation issued by China Banking Regulatory Commission on July 20 10, in which Article 70 clearly stipulates that if it is really impossible to pay off a large amount of debt in one lump sum, it can be paid off slowly in 60 installments over five years.

However, as the saying goes, "it is only natural to pay back debts." Since the bank has signed a personalized repayment agreement with you, you should repay the loan in installments as promised.