I owe 140,000 yuan on my China Construction Bank credit card and I have no money to pay it back. The bank asked me to surrender, what should I do?

I owe 140,000 yuan on my China Construction Bank credit card. I have no money to pay back and the bank calls me to surrender. I should follow the bank’s advice.

Article 196 of the Criminal Law of the People's Republic of China

Whoever commits credit card fraud in any of the following circumstances and the amount is 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 sentence is to be not less than five years but not more than 10 years in prison, and a fine of not less than 50,000 yuan but not more than 500,000 yuan. If the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

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(1) Using a counterfeit credit card;

(2) Using an invalid credit card;

(3) Using someone else’s credit card fraudulently;

(4) Malicious overdraft.

The so-called 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 it even 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. How to check how much money is owed to the bank with a China Construction Bank credit card?

To check the amount owed to the bank, you can directly check the credit card statement.

There are many ways to check your bills, and you can do them all yourself.

You can follow China Construction Bank on WeChat, and then bind your credit card to check your credit card bill status;

You can log in to the CCB credit card website, click "Bill Points Query" and enter your card number and phone number You can check the bill with your bank password;

You can log in to the CCB credit card website and go through the registration and real-name authentication at the "Credit Card Service Hall" to check the bill;

< p> Log in to CCB online banking and after adding a credit card, you can directly check the bill status. What should I do if I owe 3,500 yuan to my China Construction Bank credit card and still can’t pay?

The card will be suspended, and the benefits will not be repaid, and I will ask you to do so. Your luck will be gone, and the card will be suspended. The best thing is to do it quickly. Click here to pay it back, so you don’t have to worry about it. I haven’t paid back my China Construction Bank credit card for 2 months, what should I do?

The cardholder’s personal credit record is already bad, and China Construction Bank will demand full payment from the cardholder. Repayment. Cardholders can only repay as quickly as possible. Why do I have no money after opening a China Construction Bank credit card?

Take a look at the card opening letter in the envelope mailed with the card. It will indicate the credit card limit. After the card is opened, the cardholder can use the credit limit. Overdraw first and then repay.

If the cardholder has successfully applied for special installments such as car and home improvement installments before. After the card is issued, it usually takes a few working days for the special amount to be released to the card. Usually there will be a text message notification. What should I do if I have a credit card debt of 11650 from China Construction Bank for three months?

Hello,

Pay off the loan as soon as possible, otherwise you will be in trouble if the bank sues.

Satisfied with the answer,

Please accept it,

Thank you. What should I do if I still owe the China Construction Bank credit card in two years?

Your debt may be relatively small, so the bank has not used legal means to get the money back, but your credit with the People's Bank of China has been stained. , it will be more troublesome to deal with the bank next time. What to do if your China Construction Bank credit card is lost

Call the China Construction Bank customer service hotline promptly to report the loss to avoid being stolen by others.

You can also go to any CCB branch to report the loss and request a new card. Once the loss is reported, the old card cannot be used, so there is no risk of it being swiped after the loss is reported.

Each bank will have a certain fee for reporting loss and reissue. Please consult CCB customer service for details.

What should I do if I need to go to the bank to reissue a China Construction Bank credit card?

Specific steps to reissue a bank credit card:

Call the service hotline after the bank card, explain the situation, and report the loss verbally;

One week later, bring your ID card to the bank to apply for a replacement card.

Notes:

You must go to the card-issuing bank to reissue a bank card;

You must wait one week after verbally reporting the loss;

Some banks In special circumstances, bank regulations shall prevail.

Summary: The above are the things to note when re-issuing a bank credit card.

How to report loss:

Report loss by phone:

To apply for loss report by calling the bank’s customer service number, you need to provide the card owner’s ID number. Generally, this is a verbal loss report, which is only valid for a few days. In the end, you still need to go to the bank counter to report the loss. It is faster to report loss over the phone. You can report the loss over the phone first and then go to the bank counter to report the loss;

Apply for loss report at the bank counter:

The card owner should bring his or her ID card/temporary ID card to the counter of the card-issuing bank. Apply for loss report;

Online banking loss report:

If the bank card has online banking enabled, some banks can apply for loss report through online banking.

Things to note when reporting the loss of bank cards:

Banks usually charge a handling fee for reporting loss, and different banks charge different fees. To report a loss, you need your bank card number. If you forget your card number, you can check it at the card-issuing bank with your ID card. You need to report the loss first, apply for a new card after a certain period, and you can only withdraw money after getting the new card. What should I do if I lose my China Construction Bank credit card?

Just reissue it. The reissue process is:

1. Bring your valid ID to the card-issuing bank;

2. Fill in the reissue form Application form;

3. Submit the materials and the staff will assist in re-issuance;

4. Bind the mobile phone;

5. The re-issuance is successful.

Note: Reissue can only be issued one week after the loss is reported.