How to deal with no money to repay a credit card:

1. Use the minimum repayment function. Every bank has a minimum repayment function. As long as the minimum repayment is paid, the bank will not charge late fees and will not affect your personal credit. However, interest will be charged for repaying the minimum, which is 50% interest per day. Therefore, as long as you repay the minimum, although the pressure will be reduced, compound interest will occur, which will be relatively troublesome, and it can only be used as a temporary delay.

2. Use the staging function. If you are under pressure to repay, you can directly apply for bill installments. Generally, banks provide 3, 6, 9, 12, 18, and 24 installments. You can choose the number of installments according to your repayment ability, so that you can Ease repayment pressure and won't affect your credit.

3. Change the billing date to extend the repayment period. The billing time cannot be changed casually. Generally speaking, it can only be changed once every six months. Some banks change it once a year, and some banks can only change it once.

4. Take the initiative to explain the situation to the bank and negotiate. If you are indeed unable to repay for a period of time due to special circumstances such as work, you can take the initiative to call the bank and explain the reason. Prove that you are not malicious in refusing to repay, but there is indeed a reason. Discuss whether you can delay the repayment. Do not ignore the bank by changing your phone number. , this way my personal credit is gone, unless I will never deal with banks again.

The sentencing principles of the court for suspected crimes of credit card fraud are as follows:

1. Sentencing should be based on facts, the law as the criterion, and based on the facts of the crime, the nature and circumstances of the crime and the consequences of the crime. The degree of harm to society determines the penalty imposed.

2. When sentencing, we must consider not only the seriousness of the crime committed by the defendant, but also the extent of the defendant’s criminal responsibility, so that the crime and punishment are appropriate to achieve the purpose of punishment and crime prevention.

3. The criminal policy of combining leniency with severity should be implemented in sentencing, so as to be lenient when necessary and strict when severe, to balance leniency and severity and to punish the crime appropriately, so as to ensure the unity of legal effect and social effect of judgment.

4. Sentencing must objectively and comprehensively grasp the changes in economic and social development and public security situations in different regions at different times to ensure the realization of the tasks of the Criminal Law; for cases with similar or similar circumstances in the same region and during the same period, The penalty imposed should be basically balanced.