I'm in the same situation as you! But not as much as you! Now people who collect money call for money every day, feeling si, but I just saw a prawn say, you can refer to it, so I'm going to do this. This is what he said. You can refer to it You should first find out in what name the bank will sue you.

The bank will certainly sue you for malicious overdraft for credit card fraud. If convicted, he will face imprisonment of up to five years and a fine of up to 200,000.

Then let's find out what constitutes the crime of malicious overdraft in the crime of credit card fraud, and whether you meet the requirements of these crimes.

First of all, you have encountered an overdraft of more than 5,000 yuan. The facts cannot be changed.

Secondly, you are repeatedly urged by the bank to escape from repayment or simply unable to repay. In your present situation, you also meet the second item.

But to change your passive situation, you can only seek a turning point in the second one, so what should you do?

I suggest you send a written guarantee to the bank by registered mail or express delivery. You should keep a copy of this guarantee, send the original to the bank, and keep the mailing certificate. This is very important to prove that you are not hiding or escaping to avoid repayment.

Next, in any case, lend 2000 yuan to the bank to prove that you have the ability to repay.

In this way, the conditions for the crime of malicious overdraft in the crime of credit card fraud do not meet your situation, and the bank can't sue you for the time being.

But this is just a way to buy time. You have to pay back the money in the end, but don't believe the bank's nonsense about interest and fines. The contract is scary. You really can't pay back the money. If the principal can be repaid, the bank will be laughably happy. Everything behind can be settled with the bank.

Be careful in the future. If you can't pay back the money, don't spend so much. Live within your means.

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Do as I tell you.

Send the repayment guarantee to the bank by express or registered mail first, and keep the mailing certificate. This evidence is very important to prove that you didn't escape.

If you have 10000 yuan now, don't pay it all at once, but pay it back 2000 yuan every month.

The advantage of this is that,

First, prove that you are continuing to repay.

Second, it can delay you for five months to collect the remaining 10000 yuan.

In this way, you can't escape and continue to repay, so the bank can't sue you for malicious overdraft for credit card fraud.

Basically, in this case, returning the principal to the bank will not be embarrassed by fines and interest.

Don't listen to the threat of the bank for five days. The bank is not a court, but the money still needs to be paid back)