The criminal law stipulates that in any of the following circumstances, credit card fraud is committed, and the amount is relatively large;

3. Fraudulent use of other people's credit cards;

4. Malicious overdraft;

According to the above regulations, your company is suspected of credit card fraud. Although there are still differences in academic circles on whether the unit constitutes the crime of credit card fraud, at least the direct users of your unit meet the third and fourth situations mentioned above and will be suspected of constituting the crime of credit card fraud.

If it is not returned after being collected by the bank for three times in more than three months, it will also be considered as credit card fraud.

If the unit still refuses to return it after your urging, you can sue the police.

If the company doesn't repay the loan, your card can't be used even if it no longer provides guarantee.

Credit cards may only need guarantee materials when checking their cards. If you pay off your debts, you can still use your card without any guarantee.