Hello. Of course, this is irresponsible. How can banks be responsible? Let me ask you something. What if the credit card holder thinks he can't repay the loan and then jumps to his death? It doesn't mean that the bank is responsible, but the cardholder deserves it. Do you mind if I just say it? Cardholders are unable to repay their credit cards. Then let me ask you what you did in the first place. Why don't you think about it when using it? Credit cards can't be repaid, and it's a fraud, okay?

(a) knowing that there is no repayment ability and a large amount of overdraft can not be returned;

(two) squandering overdraft funds, unable to return;

(3) Escaping after overdraft, changing contact information and avoiding bank collection;

(4) evading or transferring funds, concealing property or evading repayment;

(five) the use of overdraft funds for illegal and criminal activities;

(six) other acts of illegal possession of funds and refusal to return them.

Malicious overdraft, the amount of which is more than 6,543.8+0,000 yuan but less than 6,543.8+0,000 yuan, shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 654.38+10,000 yuan and less than 1 10,000 yuan, it shall be deemed as "huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 6,543.8+0,000 yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.