1. What should I do if I spend too much on my credit card?

1. Borrow money from relatives and friends to make up for the loopholes temporarily.

If it is only a temporary situation, you will soon have enough funds to seek help from relatives and friends.

2. Apply for deferred repayment.

in case of unexpected circumstances, such as being ill in hospital or being unemployed, you can contact the customer service of the bank. Tell the customer service about your real situation, and then apply for deferred repayment.

3. Apply for suspension of interest and payment by installment.

when the situation is serious and repayment is relatively more difficult; You can contact the bank customer service. Provide relevant materials to apply for suspension of payment and repayment in installments.

4. apply to the bank for credit card debt relief.

negotiate with the bank to reduce the credit card debt. If negotiation fails, the credit card debt can be reduced through judicial organs.

2. Can I call the police if I have too many overdraft credit cards?

Yes, malicious overdraft of credit cards is suspected of credit card fraud, and public security organs that meet the following conditions will file a case for investigation:

1. Those who believe that there are criminal facts;

2. It is necessary to investigate criminal responsibility;

3. It belongs to its own jurisdiction.

3. Can I drop the case if I have too many overdrawn credit cards and don't turn myself in?

Surrender cannot be dismissed, and the punishment can only be appropriately mitigated. The conditions for withdrawing the case are:

(1) There is no criminal fact;

(2) If the circumstances are obviously minor and the harm is not great, it is not considered as a crime;

(3) The crime has passed the limitation period;

(4) being exempted from punishment by pardon;

(5) The criminal suspect is dead;

(6) Others who are not investigated for criminal responsibility according to law.

4. What conditions are considered as surrender if there are too many overdraft credit cards?

1. Voluntary surrender after committing a crime;

2. Confess your crimes truthfully;

3. It must be examined and prosecuted.

5. under what circumstances can I monitor the residential suspect if there are too many overdraft credit cards?

The public security organ may monitor the residence of a criminal suspect who meets the conditions for arrest and has one of the following circumstances:

(1) He is seriously ill and cannot take care of himself;

(2) women who are pregnant or breast-feeding their babies;

(3) Being the sole supporter of a person who cannot take care of himself;

(4) it is more appropriate to take residential surveillance measures because of the special circumstances of the case or the need to handle the case;

(5) The detention period expires and the case has not been settled yet, so residential surveillance measures need to be taken.

if a credit card spends too much money, it is suspected to exceed the overdraft. The cardholder must find ways to pay off the debt. If the relevant loopholes cannot be filled in time, once it is identified as malicious overdraft, it will be directly converted into a criminal case. Because under normal circumstances, the use of credit cards must be combined with personal debt repayment ability. If you don't get a credit card, you may be sentenced.