1. What about the credit card debt of 700,000 yuan?

1. Borrow from relatives and friends for repayment: If you only encounter cash flow problems, you can temporarily pay off the arrears by borrowing;

2. Apply to the bank for deferred repayment;

3. Apply to the bank for suspension of payment;

4. negotiate with the bank to reduce the repayment amount. If negotiation fails, you can sue the bank and get judicial credit card debt relief.

5. Sell other assets to pay off debts.

Second, how to judge a malicious overdraft of 700,000 credit cards?

The sentencing standard for malicious overdraft of 700,000 credit cards is generally 10 years imprisonment or life imprisonment, and a fine of 50,000 yuan to 500,000 yuan or confiscation of property. Those who maliciously overdraw their credit cards by more than 50,000 yuan shall bear criminal responsibility. The sentencing standards for credit card fraud are as follows:

1, if the amount is relatively large, it 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;

2. 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;

3. 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 of property.

3. What are the conditions for filing a criminal incidental civil lawsuit for credit card arrears of 700,000 yuan?

(1) Criminal defendants and other joint infringers who have not been investigated for criminal responsibility;

(2) the guardian of the criminal defendant;

(3) Heirs of death penalty criminals;

(4) The heirs of the defendant who died before the case was concluded in a joint crime case;

(five) other units and individuals who should be liable for the material losses of the victims according to law.

4. What materials do I need to prepare to file an incidental civil lawsuit for credit card arrears of 700,000 yuan?

1, criminal incidental civil action;

2. Evidence materials;

3. The plaintiff's ID card and the materials to prove the defendant;

4. If another person is entrusted to represent the lawsuit, submit 1 copy of the power of attorney and the ID card of the trustee, and provide the original for inspection;

5. If a lawyer is entrusted to represent the lawsuit, a clearly authorized power of attorney and a copy of the certificate, letter and lawyer's card of the entrusted law firm shall be submitted.

It is very serious that the credit card debt reaches 700 thousand. If you don't take the initiative to contact the bank, if it is overdue for a long time, it is likely to be identified as credit card fraud. If the amount of fraud is more than 700,000 yuan, you will be sentenced to at least 10 years' imprisonment. If you are convicted of maliciously overdrawing your credit card, you will also bear civil liability for compensation.