Legal subjectivity:

Credit card payments can be deferred and no application is required. Banks should provide "time tolerance services" and "tolerance services" to credit card customers. Different banks may have different repayment grace periods. Banks generally have a grace period of at least 3 days for repayment. As long as the money is paid back within 3 days, no interest or penalties will be incurred. Bank regulations generally stipulate that if the minimum repayment is completed before 18:00 on the third day after the overdue date, it will not be considered overdue, and your credit record will not be affected. The law is objective:

Article 196 of the Criminal Law: Whoever commits credit card fraud in any of the following circumstances 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 20,000 yuan A fine of not less than 200,000 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 10 years, 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 , shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have property confiscated: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identification; (2) ) Using an expired credit card; (3) Pretending to use another person’s credit card; (4) Malicious overdraft.