The Credit Card Collection Department of China CITIC Bank issued a warning letter, indicating that the problem was serious and that it was suspected of credit card fraud. The next step was for the public security department to investigate and collect evidence.

Article 196 of the "Criminal Law": Whoever commits credit card fraud activities under any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan and not less than 20 yuan. A fine of not more than 10,000 yuan; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years. to fixed-term imprisonment of not less than 1 year or life in prison, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identity certificates

(2) Using an expired credit card;

(3) Pretending to use another person’s credit card;

(4) Malicious overdraft.

If the public security agency determines that the overdraft is malicious, the amount is relatively large, or the amount is huge, you will face jail time, so I paid the money back quickly and asked the bank to cancel the report.