Should not be approved

1. Pay off the debt as soon as possible

2. Negotiate the repayment details with the bank

3. Go Legal means, that is, filing a lawsuit

First of all, the best way is to pay it off in one go. You can even borrow it from your parents, brothers, relatives and friends. This is the best way, of course I am here

I will not give you any unreliable advice such as loan sharking or private high-interest loans

Secondly, negotiate with the bank for repayment. For example, you can ask for a higher interest rate than normal repayment, etc. , or proof of financial resources such as mortgage real estate, if

If the bank is not even willing to negotiate, it can only take legal channels

Again, let’s not talk about how the bank is cheating, the interest increase There are so many late payment fees. Nowadays, they have rules and regulations. You are indeed in debt, and they are doing things according to the rules. If you go to court with the bank, you basically can't win. If you don't do it, you may go to jail. !

1. According to Article 196 of the "Criminal Law", those who maliciously overdraft constitute the crime of credit card fraud and are subject to fixed-term imprisonment of not more than five years or criminal detention,

and a fine of 20,000 A fine of not less than RMB 100,000 but not more than RMB 200,000 shall be imposed.

2. What is malicious overdraft? Relevant judicial interpretations stipulate that a malicious overdraft refers to an overdraft of more than 10,000 yuan, where the cardholder exceeds the prescribed limit or the prescribed period for the purpose of illegal possession, and the card-issuing bank exceeds 3 If the money is still not returned within the month, it shall be deemed as a "malicious overdraft" as stipulated in Article 196 of the Criminal Law.

According to relevant regulations, those who maliciously overdraft between 10,000 and 100,000 yuan shall be sentenced to fixed-term imprisonment of not more than 5 years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan;

Malicious overdraft 100,000 to 1 million yuan, shall be punished with a fixed-term imprisonment of not less than 5 years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan.

3. If the overdraft amount is less than 10,000 yuan, although it does not meet the standards for criminal filing, the risk still exists, but it will be entered into the bank's blacklist and be sued by the bank for repayment

Money, the bank will not let the money you spend turn into a bad debt, they will sue you and ask you to pay back the money, and as time goes by

the arrears will incur late fees, interest and other fees!

In addition, malicious overdrafts will seriously affect the credit of cardholders. Once included in the bank's personal credit blacklist, all banking services, especially investment loans, will be affected

The negative impact must not be underestimated.