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Will I go to jail if my credit card is overdue for more than 50,000 yuan?

1. Will you be jailed if your credit card is overdue for more than 50,000 yuan?

1. If your credit card is overdue for more than 50,000 yuan, you will face the following situations:

You may not be jailed if your credit card is overdue for more than 50,000 yuan. jail. First of all, according to relevant laws and regulations, if a credit card is overdue for 50,000 yuan or more, only if it meets the requirements of a malicious overdraft, it will constitute a crime of credit card fraud and will be punished. The conditions for a malicious overdraft are:

(1) For the purpose of illegal possession;

(2) Overdraft exceeding the prescribed limit or within the prescribed period, and exceeding the limit after two effective calls by the card-issuing bank. Still not returned within three months.

2. Legal basis: Article 177 of the "Criminal Law of the People's Republic of China"

The crime of obstructing credit card management involves one of the following circumstances: , shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also or shall be fined not less than 10,000 yuan but not more than 100,000 yuan; if the quantity is huge or there are other serious circumstances, the sentence shall be not less than three years but not more than 10 years of fixed-term imprisonment, and shall also be fined not less than 20,000 yuan. Fines of up to 200,000 yuan:

(1) Holding and transporting credit cards knowing that they are counterfeit, or holding and transporting blank credit cards knowing that they are counterfeit, in larger quantities;

(2) Illegally holding other people’s credit cards in large quantities;

(3) Using false identity certificates to fraudulently obtain credit cards;

(4) Selling, Purchasing or providing others with forged credit cards or credit cards fraudulently obtained with false identity certificates;

Stealing, bribing or illegally providing credit card information. Whoever steals, bribing or illegally provides other people's credit card information shall be punished in accordance with the preceding The penalties specified in paragraph 2;

If a staff member of a bank or other financial institution takes advantage of his position to commit the crime in paragraph 2, he shall be severely punished.

2. What to do if your credit card is overdue

The process for overdue credit card repayment is as follows:

1. Repay as soon as possible;

2. Keep your mobile phone open and answer calls from customer service;

3. Do not cancel your card or account;

4. Explain the situation in a timely manner.