My credit card is overdue for more than 3, years. I got a call from the economic investigation and asked me to accept the investigation. Do I have to go?

I happened to undertake a similar crime of credit card. The case was tried in the first instance for seven years, and the verdict in the second instance was not guilty, which should be able to answer your question.

first of all, if you receive an oral summons from the case-handling organ, you must go to cooperate with the investigation, otherwise you may be summoned by force.

Secondly, if you are really suspected of committing a crime, you can be regarded as surrendering yourself in judicial practice if you accept an oral summons from the public security organ, take the initiative to cooperate with the investigation and truthfully confess.

Thirdly, you need to consult a professional criminal lawyer to verify whether your behavior constitutes a crime and whether there is room for remedy.

finally, a word of advice: take the initiative to go to the credit card issuing bank to communicate repayment before going to the investigation. If there is any change in contact telephone number, home address, work address, emergency contact and other information, it is necessary to change the information retained by the credit card in time. If you refuse to answer the bank's dunning call for many times, you need to contact the bank as soon as possible, negotiate the repayment and record it for evidence, or directly repay part of the arrears.

the most important crime feature of credit card crime is refusing to return it. If it is really impossible to return it on time due to financial difficulties, you should at least take the responsibility and act of repayment to show your sincerity in not evading debts, so as to avoid civil to criminal filing.

Ask your policeman what his surname is and what his alarm number is, and then call him grandson directly. Tell him what the crime is to pretend to be a policeman, and

If it's really the turn of the economic investigation to investigate you, he will call you. The easiest way is to arrest you directly and call you back?

owe 3, yuan, so it's the turn of the Economic Investigation Bureau to check on you? You take yourself too seriously. People can't catch hundreds of millions of criminals, and it's a waste of national resources to take time to find out how big your problem is.

negotiate with the bank to solve the problem. For example, if you apply for an unsecured illegal credit card online, and it is a credit card promoted by the bank, I suggest that you don't return it. They will induce you to consume illegal online loans and pay for it!

if the credit card is overdue for half a year, it is no longer possible to receive the economic investigation call! I tell you with my experience in handling nearly 1 cases of overdue personal credit cards. Are you sure that the so-called economic investigation call you received is a "real" call from the economic investigation brigade or squadron of the public security organ?

why do you ask?

after the credit card is overdue, in the first accounting period (the bank credit card center takes three months as an accounting period), it has already decided what action to take against the cardholder. Most people above 95-98% will continue to receive collection calls, text messages, legal reminders, door-to-door verification until the creditor's rights are packaged and sold. There are still 2-5% people who may be attacked by banks, but this is a civil economy, and public security forces will not be used directly. Only a handful of people will be taken away by J. Cha, pay attention! If you are taken away, J Cha will appear directly in front of you and won't call you at all! In this case, I have collected three cases to share here:

One is a man in his forties, a private owner, whose credit card of CITIC Bank was overdue at least six years ago because of business failure. More than 1, yuan, in the store, he was taken back to the office by the self-proclaimed CITIC Bank Legal Affairs Department in conjunction with J, a citizen of the jurisdiction. After he was taken to a separate room on the second floor, he was ignored for several hours. Finally, the man (smaller) opened the window, drilled through the iron fence and jumped out of the window. I ran to a friend's house and hid for a while, but then I didn't do anything, and the money was never returned. But he himself said that he found out about the Internet, and he was still a net escapee. For so many years, he has never been on a train or plane or stayed in a hotel.

The second one is also a man, about 4 years old. The couple have a clothing store and both have a credit card. It was still CITIC. Last summer, it was still in the store. At noon, when the man himself was in the store, it was CITIC Legal Affairs and J, a citizen of the jurisdiction, who took it to the office for questioning. Let him call home and pay the money. Finally, the next morning, my wife brought 3, yuan and the person came back.

The third is a lady, in her thirties. The couple run a restaurant. Both of them also have a credit card. Last autumn, a woman's Bank of Communications received a phone call saying that she could come to the local credit card center to negotiate repayment after three months overdue. The woman went there, and after that, she was taken away by J, a citizen of the 11 jurisdiction of the bank. She also asked about it and said it was suspected of a credit card. The woman was frightened and called her husband. The man bought two cigarettes and many people came back at 9 o'clock in the evening.

By telling these real cases, I just want to show that the topic owner said that the high probability of receiving a phone call from the economic investigation is to collect fakes. If you go there, the other party will call the police and contact J, a citizen of the jurisdiction, to take you away. It is not certain to file a case, but it is still possible to disgust you for 24 hours.

on the other hand, if you are really suspected of committing a crime and receive a verbal summons from the public security organ, then the other party will clearly tell you to take the initiative to cooperate with the investigation, which must be directly to the public security organ, not anywhere else.

Through these cases, people who owe money are also reminded that they should take active measures immediately after their credit cards are overdue, and should not evade the problem. In particular, you should face up to the overdue period from your heart and sort out your financial data. At least, you should be able to clearly explain to the bank how long the credit card has been used, how many bills have been paid, what is the amount, how much the last bill is, whether it is divided into stages, how many installments have been paid before, how much is it, etc. When you communicate with the bank for the first time, you can clearly explain your situation. I believe that you will save yourself a lot of unnecessary trouble and deal with the problem naturally.

no! Let the bank go by itself! Answer the key phone, don't admit that you can't afford it, just have some problems. Pay back one or twenty dollars a month and throw the contradiction to the bank. Escape may be blamed. Remember, money owed to the bank is not owed to life!

I received it in January, years ago. My overdue principal was 26, yuan, interest penalty and so on. Let me describe the situation to you first.

There are a lot of words, all of which have just been experienced. They are all dry goods and there is no nonsense. I hope it will help you.

First of all, I am overdue on multiple platforms, so I don't answer many calls, and answering them doesn't explain the problem, let alone solve it. That morning, my ex-wife called me and gave me a number to contact me quickly. She was the emergency contact of my credit card, and he didn't make it clear who this person was. I called, and the man said that he was from XX City Bureau, the report audit center. Note that this unit was confirmed by many parties and did not exist. Moreover, my household registration has long been in my current city, and the city where the "police officer" belongs is my birthplace. The "police officer" told me that I needed help in reporting the case, and brought an immediate family member to him for help in a day or two, and then gave me a director of Industrial Bank, and first contacted to see if you could solve your arrears and let the bank withdraw the case.

the director of the bank also contacted me, that is, told me how to solve this overdue problem, and then helped me to withdraw the lawsuit, exempt from the fine, and just pay the principal.

In fact, there were a lot of questions at that time, and I searched the Internet to see if this happened to everyone. Moreover, I had a friend of the police, who was engaged in economic investigation, and checked with me. It was a fake, that is, a collection routine. But at that time, as a party, I didn't want to make a big deal out of it, but wanted to ask my family to help me again and pay back more or less. My final result was that my family helped me get the principal and returned it to the bank.

my answer to you is, if you can pay him back, you will get rid of him, get on the job immediately and work hard. Don't answer any phone calls if you can't pay them back. Don't believe any routine. First of all, the public an won't speak for the bank and ask you to pay back the money. In addition, if the single card doesn't exceed 5,, it will be fine. Do you understand? If one day comes to you, sit down and make it clear slowly. But it must be true and sincere, not too persistent.

@ Coconut City Xiaopang, as a former account manager of a credit card collection, told you that this phone call was probably threatened by an outsourced collection company. If it is really a phone call from a detective and I gave you the address, just go over and cooperate and negotiate well. As long as there is no formal case, you still have a chance.

For the general process of credit card collection, if you are interested, you can see my other answers. The landlord asked this question and asked the past to cooperate with the investigation, which probably happened in the process of territorial collection. Generally, when there is no actual progress in the local collection, we will use the landline that is not often used by the unit to carry out this operation, falsely claiming that it is the Economic Investigation Detachment of the Public Security Bureau or informing the debtor, and the bank has failed to negotiate many times. Now we have waited for the routine and used the fear of the debtor to press for the collection again.

Of course, the landlord may also receive a call from the Economic Investigation Brigade, because the bank will really give the list of customers who are going to report the arrears to the Public Security Bureau, and those who are willing to negotiate and deal with it will have a last chance. Sorry, they will really arrest people for credit card crimes.

Therefore, @ Coconut City Xiaopang sincerely advises everyone to spend reasonably, overdraw reasonably and cherish credit. If you want to find a solution after the deadline, Lao Lai has no way out.

if the economic investigation calls you and asks you to investigate, then you can go there. What are you worried about? Your current overdue payment is only a problem with your personal repayment ability, and you have not committed any crime. Whether it is the investigation or the public security or finding you, you can respond to the lawsuit normally. This matter is no big deal, but you hold more than 3, credit cards, which are overdue for half a year, and you have also increased a lot of interest and liquidated damages. You really need to repay this debt to the bank, although the bank has more debt interest and liquidated damages. However, this kind of situation can also be negotiated by stages. If we negotiate and communicate with the bank by stages, then we must decide with the bank how many stages to divide and how much to pay each month. That's enough. As I have said many times about the credit card debt problem, I suggest that the debtor must solve this debt as soon as possible if it is overdue, and negotiate the installment as soon as possible, otherwise it will be overdue if it is ignored for a long time, and then there will be an increase in interest, which will eventually lead to problems in your personal credit information. It is better to make installment repayment as early as possible, so it is better to advise the father and man if it is overdue. Be sure to actively negotiate and repay the loan by installments. This is the best.

It is recommended to record the whole process when answering such calls, which I have met. This is actually urging the company to pretend to be an identity! Leave evidence to clean up his

credit card. What should I do if he is summoned by the investigation after it is overdue? Will you go to jail?

Yi Teng's point of view:

Article 8 of the Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management stipulates: If the amount of malicious overdraft is more than 5, yuan but less than 5, yuan, it shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 5, yuan but less than 5 million yuan, it shall be deemed as "a huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 5 million yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.

That is to say, if the overdue amount is more than 5, yuan, it will be considered as malicious overdraft, which constitutes a credit card crime and requires criminal responsibility. Therefore, after the credit card is overdue and summoned by the investigation, it can be divided into two situations.

1. The overdue amount of the credit card is more than 5, yuan

Once you are summoned by the investigation, it means that you have entered the judicial intervention procedure. In fact, this step shows that you have reached a very serious and complicated situation. At this time, there is the last step, that is, to negotiate and settle with the bank; As long as it is not a serious criminal offence, with a good attitude and cooperation with the investigation, mediation can generally be successful.

2. The overdue amount of the credit card is less than 5, yuan

At this time, if it is summoned, it is very likely that it is a fake, and it is very likely that the collector is a fake. Because the overdue amount of the credit card is less than 5, yuan, it will not be investigated for criminal responsibility according to the criminal law, nor will it be investigated, and of course it will not be summoned. Of course, the bank has the right to you, and you still have the obligation to repay.

Some cardholders don't know much about credit cards, and they think it doesn't matter if they have no money to pay back for a period of time. Anyway, you can't find me, so you can call me at most for collection. What can you do? I don't know that credit card breach is not treated as contract breach, but as credit card crime. The former is civil and is enforced at most, while the latter can be criminally detained and even sentenced by public prosecution.

so what should we do correctly when we have been summoned by the investigation?

first, keep the phone open, actively cooperate with the economic investigation to explain your situation, and make clear the positive repayment attitude

second, take the initiative to find the card issuer to explain the situation, take out a positive attitude, and preferably have evidence or prove the reason for your overdue, and record the evidence all the time

third, take the initiative to repay as much as you can

fourth, negotiate a repayment plan with the card issuer. The purpose of the bank is to make you repay the money, not to subject you to legal sanctions;

In any case, it is natural to pay back the debt, and it is also the bank's money. I hope that friends who have overdue cards will take the initiative to communicate with the issuing bank for repayment as soon as possible, and don't escape or lose contact. If they are temporarily unable to repay, they can reach a personalized installment repayment agreement with the bank according to Article 7 of the Measures for the Supervision and Administration of Credit Cards of Commercial Banks. Running away will only make things worse.

facing the debt positively is the correct way to deal with it!

It's just the opinion of one family. If you have different opinions, please leave a message in the comment area. * * * Please discuss with me.

My dad owes 1, yuan on his credit card and it is overdue. Now I have received a text message from the Economic Investigation Brigade. What should I do?

Your father owes a credit card account of 1, yuan, so you'd better take the initiative to communicate with the bank staff (collection department or legal affairs department) in the credit card center of the issuing bank to reach a settlement.

If you keep avoiding and refusing to answer the phone call from the bank, you won't pay back, and your father's credit card arrears have exceeded 5, yuan,

Once the bank reports the case, Your father will be summoned by the investigation department of the public security organ for investigation and handling because he is suspected of "credit card crime" in Article 196 of the Criminal Law of the People's Republic of China.

However, when the investigation department of the public security organ summons the criminal suspect suspected of credit card crime according to law,

it will adopt the following methods;

1; For verbal summons by telephone, the police in the economic investigation department will call your father. First, the police will tell your father his last name and alarm number, the unit and department he belongs to, briefly explain the problems your father is involved in, and inform your father to go to the public security organ to cooperate with the investigation at the specified time. If your father refuses to answer the phone or the phone stops, the police may also call his family to inform them on his behalf. Now is the era of smart public security big data. It is a matter of minutes and seconds for the police to obtain the contact information of the suspect's family through your father's ID card information left in the bank and through the public security big data system.

2; Door-to-door summoning:

Generally, two or more policemen (or one policeman and one assistant policeman) from the case-handling department hold a summoning card issued by the legal department of the public security organ and go to the suspect's home to summon the suspect,

3; Forcible summons,

For suspects who refuse to be summoned orally by telephone by the public security organs or who come to the door with a summons card, the public security organs can carry out compulsory summons, that is, forced summons.

Two or more policemen from the case-handling department will come to the door with a summons card to execute it, handcuff the suspects who refuse to be summoned and forcibly bring them back to the public security organs for investigation.