Malicious overdraft of credit cards is very serious, and its consequences are usually the following four: 1. Credit card late payment fee. The so-called credit card late payment fee refers to the fee that the cardholder should pay to the issuing bank in accordance with the regulations before the due repayment date (inclusive) or when the repayment amount is lower than the minimum repayment amount. 2. Overdue interest. After a user overdraws with a credit card, there is generally an interest-free repayment period of 20 to 50 days, that is, as long as the cardholder fails to repay all the overdraft fees within the prescribed time limit, the cardholder will no longer enjoy the interest-free treatment of all the expenses of the bank last month, and the daily interest rate is as high as 50,000, that is, the annual interest rate reaches 18%. 3. Bad credit record. Credit card users' overdue repayment will be recorded in bad credit records, and the basic database of personal credit information has been networked nationwide. Individual residents can find credit reports in any domestic commercial bank as long as they handle loan business, apply for credit cards or provide guarantees for others. 4. facing criminal proceedings. If the user does not repay after two months of overdraft, the bank will call to remind the user to repay. If the repayment is not made, the bank will find a lawyer to send a lawyer's letter to the user. If the repayment is not made, the bank will report the case, which is suspected of constituting a credit card crime. Article 196 of Article 68 of the Criminal Law of People's Republic of China (PRC) is under any of the following circumstances. Whoever engages in credit card activities with a relatively large amount 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 ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years and fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Anyone who uses a credit card at the same time shall be convicted and punished in accordance with the provisions of Article 264 of this Law. "

What if the credit card is overdrawn?

If the credit card is overdrawn, the customer only needs to make sure to repay on time before the repayment date (inclusive) after the sunrise bill is repaid. In this way, there won't be much problem. In fact, many banks provide credit card customers with a certain limit. If the credit limit of the credit card is used up, they can also use part of it (the excess amount is generally between 0.5 and 10).

Of course, it is not recommended that customers always empty and maxed out their credit cards, which will not be conducive to increasing the card amount. Moreover, credit card consumption is too high, and the repayment burden will be heavy. If you exceed your repayment ability and fail to repay on time within the prescribed repayment period, it is also overdue, which will damage your personal credit and I am afraid that you will limit the use of your card.

If you feel that the credit card limit is not enough, you can actually apply to the bank for a temporary limit or increase the fixed limit. Usually, customers pay attention to the good use of cards and accumulate good credit. If the bank is not sure, it will take the initiative to increase the customer's card amount.

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