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What to do with credit card debt after immigration?

The act of not paying back credit card debt is suspected of credit card fraud.

The crime of credit card fraud refers to the act of using credit cards to conduct fraudulent activities for the purpose of illegal possession and defrauding a large amount of property. Whoever commits this crime 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 but not more than 200,000 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 shall also be fined not less than 20,000 yuan but not more than 200,000 yuan. If the amount is particularly huge or there are other particularly serious circumstances, the offender shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have property confiscated.

One of the specific manifestations of the crime of credit card fraud is the use of credit cards to maliciously overdraft. According to the second paragraph of Article 196 of the Criminal Law, the so-called malicious overdraft refers to the behavior of a credit card holder who overdrafts beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and fails to return the credit card after being called by the card-issuing bank.

When immigrating, a "no criminal record" is generally required. Once credit card fraud is involved and there are problems with character, it may affect the immigration application.