1. The amount reaches 5, yuan

Everyone should pay attention, this amount refers to the principal, which is the principal amount of your credit card overdraft. It does not include the amount of penalty interest caused by overdue payment. Therefore, as long as the overdue amount is less than 5,, there is no need to worry about going to jail at all.

2. Malicious overdraft

What is malicious overdraft? Refers to the cardholder, who clearly knows that he has no ability to repay, and still spends money by credit card. This standard of measurement is more complicated, and it is basically based on the cardholder's salary income.

3. Refusal to repay

The credit card has been overdue for more than three months, and the bank has made at least two phone calls during this period. However, the cardholder refused to repay the loan and did not cooperate with the bank's consultation and investigation. Only by meeting the above three conditions at the same time can it constitute a crime of fraud. Credit card overdue is convicted of fraud, and the sentencing standard

The overdue amount is between 5, and 5,, which is regarded as a large amount and may be sentenced to fixed-term imprisonment of less than five years. At the same time, it will be fined between 2, and 2,. The overdue amount is 5,-5 million, which is a huge amount. May be sentenced to more than 5 years and less than 1 years in prison. Moreover, a fine of 5,-15, will be imposed. If the overdue amount is more than 5 million yuan, the amount is especially huge and may be sentenced to more than 1 years in prison. Moreover, a fine of 5,-5, will be imposed. If the credit card is overdue and the amount reaches more than 5 thousand, what can I do to avoid going to jail?

1. Never lose contact

The last thing you can do when your credit card is overdue is to disappear. You didn't answer the call from the bank. Reach more than twice, then meet one of the conditions of "fraud". Therefore, be sure to answer the bank's collection call. At the same time, on the phone, you must put your attitude well. You have to tell the bank that it's not that you don't pay back the money, but that you really don't have the ability to pay back the money.

2. Actively negotiate with the bank

In fact, the staff in the credit card department of the bank are all ordinary people like you. They and you are basically "no enemies in the past, no complaints in recent days." If you can't say it, you must force you how. As long as you show the attitude you should have, the bank will still be very willing to negotiate with you. There is no ability to repay now, so pay back part of the quota first. Or, a little every month. Try to reduce part of the interest and try to make the repayment amount of each installment within your tolerance. If you have no overdue records before, the possibility of successful negotiation will be very great. Spending in advance is not a good habit

Credit cards are convenient for many people's lives, but they also make some people form the habit of spending in advance. Moreover, there are many young people who like to live a "fake and exquisite" life. With a monthly salary of three or five thousand yuan, I just like to live a life with a monthly salary of ten thousand yuan. Several credit cards are tumbling back and forth, robbing Peter to pay Paul. Wait until one day, when it can't be filled at last, all the credit cards are thunderous. Earn a penny and spend a penny. It is best not to get into the habit of spending in advance. Even if you swipe your credit card, you should be within your economic tolerance. I also wish those who are overdue can go ashore as soon as possible!