Repaying a small amount of credit card debt every month may not necessarily be considered credit card fraud. It needs to be analyzed based on the situation. If the repayer maliciously defaults, it will be deemed as credit card fraud. If the repayer is forced to overdue due to external forces, explaining the situation to the bank will not be considered as credit card fraud. What is credit card fraud?

Credit cards are a way to spend money in advance, and they have indeed helped many people relieve their financial pressure. However, you must apply within your means when applying for a credit card. Otherwise, it is very likely that the credit card will be overdue and eventually insolvent, which will constitute the crime of credit card fraud. .

What is credit card fraud? Credit card fraud refers to fraudulent activities using credit cards that violate credit card management regulations and are aimed at illegal possession.

There are four forms of fraudulent activities using credit cards, namely forging credit cards, using invalid credit cards, impersonating other people’s credit cards and malicious overdraft credit cards.

Credit card fraud is a type of fraud and is a fraudulent activity using credit cards as a tool. A common credit card fraud crime in daily life is malicious overdraft. Knowing that one is unable to repay, one still seriously overdrafts and refuses to repay.

According to the provisions of the "Criminal Law", those who commit credit card fraud with relatively large amounts shall be sentenced to fixed-term imprisonment of not more than five years; , shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment.

Generally, the standard for filing a crime of credit card fraud is 5,000 yuan, which also means that if the crime exceeds 5,000 yuan, a case can be filed for prosecution. Here, the amount is above 50,000 yuan, the amount below 500,000 yuan is considered huge, and the amount above 500,000 yuan is considered extremely huge.

Everyone who wants to prevent credit card fraud in life needs to pay attention to three points, namely not to do anything illegal, to use credit cards rationally and to pay overdue debts on time.

If you pick up someone else’s ID or credit card and want to hand it over to the police, don’t use your imagination. You should establish a correct consumption concept and consume according to your repayment ability. If I owe a little on my credit card every month, will this constitute credit card fraud?

After the credit card is overdue, some people will be smart and repay as much as they want every month even though they are able to repay the debt. They think that repaying every month will not constitute credit card fraud. This kind of thinking It's very wrong.

There are two cases of malicious overdraft behavior. One is knowing that one has no ability to repay but deliberately overdrafts, the other is being able to repay but refusing to repay. The above behavior is a malicious default behavior in malicious overdraft, so its behavior will constitute credit card fraud.

There are benign and malignant malicious overdrafts. After all, not everyone intentionally defaults on repayment. If some repayers are unable to repay their credit cards due to investment failure, accidents, illness, etc., banks will generally relax the repayment period after understanding the situation.

If the repayer is indeed overdue due to the above reasons, the repayer must not run away, let alone change his contact information. These negative methods will only make things more troublesome.

Repayers can submit an extension application to the bank, explain the reasons for their inability to repay, and express their awareness of active repayment. They can also apply to the bank for bill installments, minimum repayments and other services.

Generally, banks will appropriately relax the repayment period according to the actual situation, so that paying back a little every month will not constitute a crime of credit card fraud. Some people forget to pay back their credit cards due to carelessness, resulting in continuous late payment fees. If found, they must repay the full amount in time and explain to the bank that the default was not malicious.

If you fail to repay your credit card overdue, the first thing that will be affected is your personal credit record. If you continue to default on your credit card maliciously, you will be found guilty of credit card fraud. Personal credit will be affected, and daily life will be restricted everywhere, so everyone must use credit cards rationally. To sum up,

Would it constitute credit card fraud if I pay off my credit card debt every month? This question depends on the reason why the repayer defaults on the loan. If the repayer maliciously defaults on the loan, it will constitute a crime of credit card fraud.