(The following information is for reference) Failure to pay back the credit card arrears for a long time may violate the criminal law. Malicious overdraft 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. The Criminal Law of Malicious Overdraft stipulates: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud. In any of the following cases, if the amount is relatively large, it 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 particularly serious circumstances, he 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 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.
If you still have questions, I suggest you solve the credit card problem anytime and anywhere through the credit card intelligent service platform. Click here to view details > & gt/Common/Default.aspx? pageid=zxkf 1
If it is a credit card of China Merchants Bank, it is not convenient to repay in full, and it is really impossible to handle the installment with cash. For the generated bill, if it is not convenient to repay it in full, there are two ways for you to choose:
1. Billing installment (only for business cards, business cards (including financial business cards), purchase cards, ANA protection cards or supplementary cards): you can enjoy the interest-free period, but there is a handling fee. Handling fee per installment = total installment amount × handling fee rate per installment. The minimum handling fee for each period is 5 yuan, and the benchmark rates for each period are: 0.9% for the third period, 0.75% for the sixth period, 0.70% for 10, 0.66% for 12 and 0.68% for 18 respectively. Then the repayment amount of each installment is 800/6= 133.33 yuan, and the interest of each installment is 800*0.75%=6 yuan) For details, please log on to the credit card website/and click "Credit Management"-"Bill Installment" to inquire; ?
2. Minimum repayment amount: no handling fee but no interest-free period. If the minimum repayment amount is paid before the final repayment date, but less than the full amount, you cannot enjoy the interest-free repayment period. From the bookkeeping date (usually the day after consumption), interest will be charged on all consumption in the current period, with a daily interest rate of 0.5 ‰ until you pay it off in full. ?
"If you have any other questions, I suggest you add" QQ "or" WeChat "for online consultation.
Method 1: Search for "4008205555" among QQ corporate friends and add "China Merchants Bank Credit Card Center" as a friend;
Method 2: Search "cmb4008205555" on WeChat, and pay attention to China Merchants Bank Credit Card Center.
Please click: /Common/default.aspx for details? Pageid=zxkf, thank you for your attention and support! "