Is the legal notice sent by Bank of Communications about unpaid credit cards true?
It depends on whether you have unpaid debts. If it is true, you need to analyze it. Generally speaking, if a credit card overdraft has not been repaid for more than three months and the amount is relatively large, it is suspected of credit card crime. It is recommended to raise funds to repay in time.
Criminal Law Article 196 Credit Card Crimes: Whoever commits credit card activities under any of the following circumstances and the amount is relatively large shall be sentenced to not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan and 200,000 yuan. If the amount is huge or there are other serious circumstances, the penalty shall be not less than five years but not more than ten years, and a fine of not less than fifty thousand yuan but not more than five hundred thousand yuan; if the amount is particularly huge or there are other particularly serious circumstances, the fine shall be not less than five years but not more than ten years, and a fine of not less than fifty thousand yuan but not more than five hundred thousand yuan; if the amount is particularly huge or there are other particularly serious circumstances, the fine shall be not less than five years but not more than ten years or more. , and be subject to a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:
(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;
< p>(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 uses credit cards concurrently shall be convicted and punished in accordance with the provisions of Article 264 of this Law.
The Bank of Communications credit card is overdue, and the debt collector comes to deliver a legal notice
What should we do in the face of debt collection?
1. Paying off debt on time is the first choice
Faced with bank debt collection, the first thing a lender should do is to repay all interest and principal as much as possible . It is natural to pay back debts. The lender signed a loan contract when obtaining the loan, which became legally binding.
If the lender cannot repay the loan in time, it will produce a bad credit record. The next time we want to get a bank loan, this bad credit record will affect our loan interest, or even be directly rejected by the bank. Apply.
When a loan is overdue for more than 90 days, the bank will file a lawsuit. At this time, the lender will face effects such as property freezing and behavioral restrictions. I believe this is a scene that no one wants to see.
2. Actively communicate with the bank
If we are really unable to repay the debt, we can actively communicate with the lender and strive to minimize the negative impact of overdue loans.
The debtor can explain the actual difficulties he faces to the bank. If possible, he should formulate a practical repayment plan and strive to gain the bank's understanding.
The purpose of bank collection is not to create panic for the debtor, but to reduce losses through collection. When the borrower fully expresses his sincerity in repayment and the difficulties he faces to the bank, the bank will also We will consider the actual situation of the debtor and provide some repayment discounts and assistance to encourage repayment.
Your situation is usually handled by the bank's outsourced collection staff. You'd better go to the bank to negotiate and explain your willingness to repay. This will be better for everyone!
I owe 3,200 yuan to the Bank of Communications credit card. I received a legal notice from the Bank of Communications today. What should I do?
1. Pay it back as soon as possible. The bank will notify you that your credit has deteriorated and you have malicious intentions. Possibility of overdraft.
2. If you still do not repay and owe the bank more than 10,000 yuan, the bank will remind you twice. If you still do not repay after three months, you may be guilty of a credit card crime. So don't delay.
That’s it for the introduction of the Bank of Communications Credit Card Legal Notice.