Nowadays, people’s awareness of advanced consumption is gradually developing, and everyone is happy to use their future funds to enjoy a better life, so credit cards have always been very popular. Friends who pay attention to credit cards should know that the number of applications and usage of credit cards is on the rise every year, which means that everyone is more and more aware of advanced consumption. But friends who have used credit cards know that credit cards are a double-edged sword. They may help you solve your immediate difficulties, but if you swipe your credit cards and fail to repay them, you will become a deadbeat. Then some friends may have this question, that is, if you swipe your credit card and fail to pay it back, will it constitute a criminal act? Next, Lengyan will share a case with you. From this case, we can see whether using a credit card and not paying it back constitutes a criminal act. I hope it can help friends in need. The protagonist of this case is a woman. She has applied for three credit cards at the bank and spent nearly 50,000 yuan in one transaction. But when it comes to repaying the loan, no matter how much the bank urges her, the lady just ignores it. Does this lady's behavior constitute a crime?

According to media reports, the woman was eventually charged with credit card fraud by the procuratorate and was eventually sentenced to 1 year and 6 months in prison, suspended for 2 years, and fined 20,000 yuan. Therefore, judging from what happened to this woman, using a credit card and not paying it back constitutes a criminal act, because this woman was sentenced to 1 year and 6 months in prison. But it should be pointed out that the reason why this woman was sentenced was not because her credit card was overdue, but because she never thought about paying it back. Because this lady had always ignored the bank's demands for repayment, which was obviously wrong, so she was not unjustly sentenced to one year and six months in prison. So if you swipe a credit card not because you don’t want to pay it back subjectively, but because you can’t pay it back temporarily, in this case, will the credit card owner commit a criminal act? In fact, at this time, it depends on the subjective attitude of the cardholder. If the cardholder is temporarily unable to repay due to financial reasons, and the amount is not too large, then in this case, it generally does not constitute a criminal act. But if the cardholder has no intention of paying it back, or the amount is huge, then it will constitute a crime.

To summarize, if you don’t pay back your credit card because you can’t pay it temporarily, you only need to explain the situation when the bank calls for repayment, and as long as the amount is not too large, the bank will not sue you. It is not a criminal act; but if the cardholder does not want to repay, or the amount owed is too large, and ignores the bank's call for repayment, then it is a criminal act. Finally, I would like to say coldly, there is no free lunch in this world, and it is natural to pay back debts, so I hope everyone can abide by the most basic credit, so that society will become better, otherwise you may have to pay what you deserve. cost!