I just happened to handle a similar crime of credit card fraud. The first instance of the case was sentenced to seven years in prison, but the second instance was acquitted. This should be able to answer your question.
First of all, when receiving a verbal summons from the case-handling agency, you must go and cooperate with the investigation, otherwise you may be forcibly summoned.
Secondly, if one is indeed suspected of a crime, accepts a verbal summons from the public security organ, takes the initiative to cooperate with the investigation, and makes a truthful confession, it can be regarded as surrendering in judicial practice.
Again, you need to consult a professional criminal lawyer to verify whether your behavior constitutes a crime and whether there is room for redress.
Finally, a word of advice, take the initiative to go to the credit card issuing bank to communicate about repayment before going to accept the investigation. If there is any change in information such as contact number, home address, work address, emergency contact person, etc., the credit card retained information needs to be changed in a timely manner. If you have repeatedly refused to answer the bank's reminder calls, you need to contact the bank as soon as possible to negotiate the repayment and record evidence, or directly repay part of the debt.
The most important criminal feature of the crime of credit card fraud is the refusal to repay. If it is indeed impossible to repay on time due to financial difficulties, you should at least be responsible and behave in repaying the money, and show your sincerity in not evading debts, so as to avoid civil liability. The dispute was turned into a criminal case.
If your credit card is overdue for six months, it is no longer possible to receive an economic investigation call! Let me tell you based on my experience in handling nearly a hundred real overdue personal credit card cases. Are you sure that the economic investigation call you allegedly received was a "real" call from the economic investigation brigade or squadron of the public security agency?
Why do you ask?
After the credit card is overdue, within the first billing period (the bank's credit card center uses three months as a billing period), it has already decided what kind of action to take against the cardholder. Most people aged 95-98 and above will continue to receive debt collection calls, text messages, legal reminder letters, and door-to-door verifications within a year, until they package up the debt and sell it to another house for debt collection. There are still 2-5 people who may be sued by the bank, but this is a civil economic dispute and will be sued directly to the court without using public security forces. Only a very small number of people will be taken away by the police, pay attention! If you are taken away, the police will appear directly in front of you and will not make any phone calls to you at all! I have collected three cases of this situation to share here:
One is at least six years ago, a man in his 40s, a private owner, lost his principal due to business failure. CITIC Bank credit card is overdue. More than 10,000 yuan was taken to the store for questioning by J, who claimed to be a legal officer of China CITIC Bank and a local citizen. After taking him to a separate room on the second floor, no one paid attention to him for several hours. Finally, the man (who was smaller in stature) actually opened the window and jumped through the iron fence to escape. I ran to a friend's house and hid for a while, but nothing happened after that, and the money was never paid back. But he himself said that he found on the Internet that he was still an Internet fugitive. In all these years, he has never taken a train, a plane, or stayed in a hotel.
The second one is also a man, about 40 years old. The couple owns a clothing store and both have credit cards. It was still CITIC. Last summer, it was still in the store. At noon, when the man was in the store by himself, CITIC Legal and the local people in the jurisdiction took him to the office for questioning. He was asked to call home and asked to pay. Finally, the next morning, his wife brought 3,000 yuan and he came back.
The third one is a woman in her 30s. The couple runs a restaurant. Both of them also have a credit card each. Last autumn, three months after the woman's Bank of Communications payment was overdue, she received a call saying that she could come to the local credit card center to negotiate for repayment. The woman went there and was taken away by police officer J from the bank's 110 area police station. They also questioned her and said she was suspected of credit card fraud. The woman was frightened and called her husband. The man bought two cigarettes and went there. At 9 o'clock in the evening, many people came back.
The purpose of talking about these real cases is to explain that the economic investigation calls mentioned by the questioner are most likely to be fake collections. If you go there, the other party will call the police and contact the local people to take you away. You cannot If you are sure to file a case, it will only make you sick for 24 hours, but you can still do it.
On the other hand, if you are indeed suspected of a crime and receive a verbal summons from the public security organ, the other party will clearly inform you that you are required to take the initiative to cooperate with the investigation. You must go directly to the public security organ and cannot be any other person. place.
Through these cases, debtors are also reminded that after their credit card is overdue, they should treat it proactively immediately and should not avoid avoiding the problem. In particular, you should face up to overdue payments from the bottom of your heart and organize your financial data. At least you should be able to clearly explain to the bank how long you have used the credit card, how many bills are due, what is the limit, how much is the last bill, and whether there are installments. How many repayments have been accumulated in the past, how much money, etc., when you communicate with the bank for the first time about overdue payments, you can clearly explain your situation. I believe that you will save yourself a lot of unnecessary trouble later and handle the problem naturally. You won’t be too passive!
Xingye also asked me to go for investigation and foolishly said that I would be detained on the spot if I brought a change of clothes. I said yes to him and then asked him which police station he should go to? He said he would wait until he went to the police station to report the crime in the evening, and then he would tell me which one it was. In the evening, I called him after get off work, and he said he hadn't gone yet. In the next few days, I would call him back every day after work to ask when he would report the crime and that I would surrender. After calling for several days, he didn’t even answer my calls! This is my personal experience, and I am not saying this to make people with debts default on their debts; it is to let everyone work hard to make money in a better mentality and get on board as soon as possible. Come on debtors!
Ask your policeman who his name is and what his police number is, and then call him grandson directly and tell him what crime it is to impersonate a policeman.
It’s really the economic investigation’s turn. You, will still call you, the easiest way is to arrest you directly, and still call you?
If you owe 30,000 yuan, it’s the economic investigation’s turn to investigate you? You take yourself too seriously. You can't catch fraudsters worth hundreds of millions or billions. You still spend time investigating your big deal, which is a waste of national resources.
Hahaha, it seems that you don’t dare to go because you are afraid that you will never come back, right? But it’s normal. It was the first time I received a so-called economic investigation call and I was thinking about this issue. In fact, it was a lie. It was people from a debt collection company hired by the bank, and they were afraid of you under the guise of economic investigation. I didn't pay back my credit card because it was stolen. Of course it was my fault. I already had a card, and the salesman might have some tasks, so he kept asking me to apply for another one. I thought it would have no impact anyway, so I agreed, saying that the limit would be between 20,000 and 30,000 yuan, and that it would gradually increase in the future. But when it was delivered to me, they told me that it was only worth five thousand. I thought it was useless, so I kept throwing it away without activating it. After a few months, I felt it was not safe, so I consulted the bank's business. Regarding membership cancellation, I was told that automatic cancellation had not been activated for three months, so I treated it as a waste card and ignored it. Who would have known that two years later, I suddenly discovered that I had a credit card debt of 13,000 yuan. When I checked it, I was so angry that I saw stars in my eyes. It turned out that the credit limit of the card was 12,000 yuan, and it was not automatically canceled if it had not been activated for three months. Then I negotiated with the credit card company, and there was only one sentence from beginning to end. It was activated and stolen by others due to my poor storage. They didn't mention the mistake of their salesperson. If they had told me that the limit was 12,000 instead of 5 Qian, I should activate this card and use it. If the salesperson hadn't told me that it would be automatically canceled if it was not activated for three months, I would have canceled it long ago. What's even more funny is that the people from the credit card company actually told me that if I haven't activated it for three months, I will be automatically cancelled, and I will be petrified immediately. This is so fucking cheating. Are you irresponsible in everything you say? It’s been activated for two years, and it’s automatically deregistered after three months? I couldn't control my anger, and it was hard to control him after a verbal battle. Later, the economic investigation phone call appeared. I was still not sure whether it was true or not. After all, it was the first time I encountered such a thing. Who knew that what the so-called economic investigation said on the phone was too outrageous. As soon as I heard it, I knew that he didn’t understand anything at all. After you exposed him, you played with him and had insulting conversations and then ignored him. This debt is not a credit card fraud. Why is the economic investigation looking for you? The court is looking for you. Then the court will not notify you of a court hearing until the bank sues you. According to some people, if you are sued by the bank, it will be held. The case went to court, but I have not received a summons. It is estimated that in this case, the address filled in when applying is not the current address, so I did not receive it.
If the economic investigation calls you and asks you to go over and investigate, then just go there. What do you have to worry about? The fact that you are currently overdue is just a problem with your personal repayment ability, and it is not that you have committed any crime. Whether it is an economic investigation, the police or the court, if they find you, you can just respond to the lawsuit normally. There is nothing wrong with this matter. No big deal, but you have a credit card worth over RMB 30,000 and it is overdue for half a year. You have also incurred a lot of interest and liquidated damages. You do need to repay this debt to the bank, although the bank's debt interest and liquidated damages are relatively small. Many, but in this case, it is completely possible to negotiate the installment. If the installment negotiation is completed with the bank, then you need to decide with the bank how many installments it will be divided into, and how much will you repay each month? That's it. As for the issue of credit card debt, I have said it many times. It is recommended that debtors must resolve the debt as soon as possible if it is overdue and negotiate the installment as soon as possible. Otherwise, they will ignore it for a long time. , then there will be overdue, and then there will be an increase in interest, which will eventually lead to problems with your personal credit report. In this way, it is better to make installment repayments earlier, so I advise men if they are overdue. , you must take the initiative to negotiate and repay in installments is the best
Let me tell you about my experience. The principal amount of my Minsheng Card plus the reserve amount is 1***89,000. It was more than half a year overdue, and I went through all kinds of collection methods, including finally someone calling me pretending to be from the police station. I believed it at the time. The person said that the police station had received a request from the bank for assistance. Before I left, I had the forethought to call the local police station. They said that it was impossible for the police to dispatch police to the bank to handle such a matter. In the end, I didn't go. A few days ago, Minsheng Bank's legal department negotiated with me that liquidated damages and interest would be waived for sixty installments. Minsheng Bank is pretty good
I won’t go! Let the bank go to court and sue! You have to answer the key phone calls. Don't admit that you can't afford it, but you just have some problems. Pay back one or twenty every month and leave the conflict to the bank. If you evade, you may be held accountable. Remember, you don’t owe your life if you owe money to the bank!
Negotiate with the bank to resolve the issue. For example, if you apply for an illegal credit card without guarantee online, and it is a credit card promoted by the bank, it is recommended that you do not repay it. They will induce you to consume illegal online loans and you will suffer the consequences!