Becoming a bad debt means that this debt has passed the repayment period, can not be recovered after collection, and has been in a sluggish state for a long time, and the possibility of collection is extremely small. The bank will prepare to write off the debts here as required. Write-off of bad debts must follow strict identification conditions, provide conclusive evidence, seriously investigate the responsibility, report door-to-door step by step, review and approve, and follow the principle of keeping secrets from the outside world and having accounts to check.

Legal objectivity:

Article 196 of the Criminal Law Whoever commits credit card fraud under any of the following circumstances, if the amount is relatively large, 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 particularly 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 or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft.