First, if these requirements are met, the bank will consider calling the police.

If the card-issuing bank still fails to repay the overdraft more than three months after two effective calls, the amount is more than 50,000 yuan. The actual overdraft principal that has not been repaid does not include interest, compound interest, late payment fees, and procedures. fees and other fees charged by the card issuing bank.

Second, if the second situation occurs, the bank must call the police.

1. False promise of repayment. Banks are also unwilling to call the police and will repeatedly collect debts. The debtors often prevaricate about repayment, and as a result, they repeatedly fail to fulfill their promises.

2. Change contact information: the mobile phone number is canceled or the person refuses to answer calls.

3. Make it clear that you will not repay the loan.

Third, the following evidence needs to be provided for the bank to successfully report to the police.

1. Basic evidence: bank reminder records, bank credit card transaction records, credit card bill inquiries.

2. Illegal possession is the purpose evidence. According to the "Interpretation on Several Issues Concerning the Specific Application of Laws in the Handling of Criminal Cases Obstructing the Management of Credit Cards", the following situations constitute illegal possession for the purpose:

(1) Knowing that one has no ability to repay and making a large overdraft that cannot be returned; evidence includes : Proof of employment or unemployment, salary income, credit record, whether multiple credit cards are used to "remove one thing to pay for the other."

(2) Overdraft after applying for a credit card using false credit certificates and cannot be returned; evidence includes credit card application documents, false employment, salary income certificates, etc.

(3) After overdraft, evading bank collection by means of hiding, changing contact information, etc.; evidence of mobile phone call recording.

(4) Using overdraft funds to carry out criminal activities; the evidence is bank statements.

Among them, the card-issuing bank should issue credit cards in accordance with the regulations. According to the above-mentioned "Decision", "If the card-issuing bank illegally issues loans in the form of credit card overdrafts, and the cardholder fails to return them as required, the first sentence of the Criminal Law shall not apply." Article 196: "Malicious overdrafts" shall be punished as other crimes."

Cardholders should consume reasonably and apply for cards rationally, and malicious overdrafts are prohibited. Communicate with the bank’s official customer service or business office staff in a timely manner.

In addition, collection personnel must collect collections reasonably, legally, and effectively to ensure that the collection can be accepted by the cardholder or his adult relatives and family members. Violent and illegal collections are prohibited, and they must not cooperate with unqualified third-party collection agencies. cooperate. If collection is blocked, the card issuing bank should organize and retain evidence such as the cardholder's personal information, debt bills, collection records, etc. to prepare for subsequent alarm or litigation.