Legal analysis: 10 years ago, the bank loan was unable to repay, but now it wants to repay, and the interest will be calculated according to the overdue loan. But ten years ago, the bank made bad debts, so you can negotiate interest concessions with the bank, or find someone to buy the bad debts of the bank first (at a discount on the principal), and then the bank loans will be completely cancelled. Bad debt: Irrecoverable current accounts that have not been increased or decreased for more than three years/three months, and it is uncertain whether they can be recovered in the future. Dedicated to financial enterprises in China. For the bad debts caused by the arrears, pay off all the arrears in time, and of course, don't pay more. You can go to the bank to apply for a non-malicious debt certificate, try to communicate with the bank to delete the bad debt record, or wait until the credit record is turned over five years later, which will not affect your loan. If you don't know the bad debts caused by the annual fee payment, you need to take the initiative to consult or negotiate with the bank, or you can take the personal credit objection handling procedure. A friend successfully cancelled the bad debts and overdue records caused by the annual fee payment dispute through a few phone calls. Article 36 Assessment of Non-performing Loans: Non-performing loans, sluggish loans and overdue loans of lenders shall not exceed the proportion stipulated by the People's Bank of China. The lender shall issue and assess the relevant indicators of non-performing loans, sluggish loans and overdue loans to its branches.
According to Article 196 of the Criminal Law, one of the following circumstances constitutes the crime of credit card fraud and theft. If the amount is relatively large, he 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 his property shall be confiscated: (1) using a forged credit card; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft.