It is useful to call the police if you are defrauded of 3,000 yuan when applying for a credit card. If you are defrauded when applying for a credit card, you can go to the local police station to call the police or call 110. This behavior is suspected of fraud. After calling the police, the public security organs will open a case for investigation, which constitutes a crime of fraud. The parties will be held criminally responsible in accordance with the law, and the defrauded money will be recovered and returned to the victim.

Article 266 of the Criminal Law Whoever defrauds public or private property and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or solely be fined; if the amount is huge or there are other serious circumstances , shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years, and shall also be fined.

Elements of the crime of fraud

Using deceptive methods to defraud banks or other financial institutions into obtaining loans of a relatively large amount. The structure of the crime of loan fraud is that the perpetrator commits deception, the staff of the financial institution makes a misunderstanding, and the loan is issued based on the misunderstanding, and the perpetrator or a third party obtains the loan and the financial institution suffers property losses.

Deceptive methods refer to fabricating false reasons for introducing funds, projects, etc., using false economic contracts, using false certification documents, using false property rights certificates as guarantees, or using repeated guarantees exceeding the value of the collateral. of. Anyone who uses false certificates to pledge stolen property obtained from crime as his own property to a financial institution to obtain a loan is using a false certificate of title as a guarantee to obtain a loan by fraud.

Using other methods to defraud loans. Although the actor did not use the first four methods, and objectively the loan conditions and procedures fully complied with the relevant regulations, the actor concealed the purpose of illegal possession during the loan process by transferring the loan afterwards, the collateral or absconding with the money. Anyone who refuses to repay the loan and thereby defrauds the loan is deemed to have defrauded the loan by other methods.