Legal Subjectivity:

Credit cards that are overdue for three months can be used after repayment, provided that the credit card has not been frozen. Bad personal credit record: 1. Ensure that the debt is paid off in a timely manner and all fees are paid; 2. The bad record will be automatically cleared after five years, and the loan business can be processed normally; 3. If the loan is not repaid, the bank can It can be traced back once, and the non-recording period will be increased to five years; 4. If the circumstances are serious, it can be traced back to permanent storage; 5. During the period of bad credit reporting, no train tickets or air tickets are allowed to travel; 6. During the period of poor credit reporting, no loans, Use a credit card; 7. During the period of bad credit reporting, traveling abroad is subject to certain restrictions. The law is objective:

Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China: Whoever commits credit card fraud in 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 a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the person 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 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge Or if there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten 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 false identity certificate to defraud someone. (2) Using an expired credit card; (3) Pretending to use another person’s credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. Anyone who steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.