Industrial and Commercial Bank of China (ICBC) was established in June 1984 65438+ 10/. The head office is located at 55 Fuxingmennei Street, Beijing. It is organized and managed by large state-owned banks and a national deputy ministerial unit. The basic task of China Industrial and Commercial Bank is to raise social funds through financing activities at home and abroad, strengthen the management of credit funds, support enterprise production and technological transformation, and serve China's economic construction.
Consequences of credit card overdraft:
I. Reminder
Dunning means that if you don't deposit the repayment amount into your credit card account on the final repayment date stipulated by the bank, the bank will initiate dunning for you in various ways. There are usually telephones and letterhead telephones.
Second, overdue records.
If you don't deposit the repayment amount (or the minimum repayment amount) in the credit card bank on the final repayment date stipulated by the bank, your credit card will be counted as overdue and included in the personal credit information system, forming a credit stain. The overdue records of all banks are shared, so if you have been overdue in one bank continuously, don't expect other banks to use your credit card, including the application for mortgage and car loan in the future.
Third, legal punishment.
Failure to return the credit card within the time limit, if the circumstances are serious or the amount is large, will constitute criminal acts such as credit card fraud. According to the provisions of Article 196th of the Criminal Law, one of the following circumstances occurs:
Whoever commits credit card fraud in a relatively large amount 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 confiscated property.
What are the consequences of overdue credit cards?
After the credit card is sued for overdue, you can negotiate with the credit card bank and actively repay it to let it withdraw the lawsuit.
Legal basis: Before the verdict is pronounced in Article 145 of the Civil Procedure Law, the people's court shall decide whether or not the plaintiff applies to withdraw the lawsuit. If the people's court decides that the withdrawal of the lawsuit is not allowed, and the plaintiff refuses to appear in court after being summoned by summons without justifiable reasons, the judgment may be made by default.