If someone applies for a credit card and overdrafts more than 10,000 yuan, first report the case to the local public security bureau.
1. The Public Security Bureau should file a case for investigation. The crime of credit card fraud refers to the act of using credit cards to conduct fraudulent activities for the purpose of illegal possession, in violation of credit card management regulations, and to defraud a large amount of property.
2. Suspected of using forged credit cards, credit cards fraudulently obtained with false identity certificates, invalid credit cards, or fraudulently using other people’s credit cards to commit credit card fraud, with the amount exceeding 5,000 yuan.
3. If the Public Security Bureau files a case, the victim will not go to the bank, but the Public Security Bureau will investigate and deal with it.
Extended information:
Penalty standards for credit card crimes:
"Criminal Law"
Article 196: Any of the following circumstances 1. Whoever commits credit card fraud and 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 not less than five years but not more than 10 years. Fixed-term imprisonment and a fine of not less than 50,000 yuan but not more than 500,000 yuan.
If the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:
(1) Using counterfeit credit cards;
(2) Using invalid credit cards;
(3) Pretending to use other people’s credit cards;
( 4) Malicious overdraft.
The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.
Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.
Baidu Encyclopedia-Credit Card Fraud