The treatment method is as follows

1, take the initiative to contact the bank to solve it.

2. If the amount is huge and the negotiation with the bank is fruitless, you should surrender to the police station near your home. If you have a good attitude of pleading guilty, you should be given a lighter punishment.

Extended data:

The filing standard of credit card fraud

According to relevant laws and regulations, anyone suspected of any of the following circumstances shall be investigated:

1. Use forged credit cards, credit cards fraudulently obtained by fraudulent use of false identification, invalid credit cards, or fraudulent use of other people's credit cards for credit card fraud, with an amount of more than 5,000 yuan.

"Fraudulent use of another person's credit card" as mentioned in Item (3) of Paragraph 1 of Article 196 of the Criminal Law includes the following situations:

(1) Picking up other people's credit cards and using them;

(2) defrauding others of their credit cards and using them;

(three) stealing, buying, defrauding or other illegal means to obtain other people's credit card information and use it through the Internet, communication terminals, etc. ;

(four) other circumstances of fraudulent use of other people's credit cards.

2. Malicious overdraft of RMB 654.38 million.

If the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than 3 months after being twice collected by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law. In any of the following circumstances, it shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196th of the Criminal Law:

(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. The amount of malicious overdraft refers to the amount that the cardholder refuses to return or has not returned under the conditions stipulated in the first paragraph. Does not include compound interest, late fees, handling fees and other fees charged by the issuing bank.

Baidu encyclopedia-credit card fraud