1. This situation may be that your credit card is involved in overdue repayment or credit card fraud, and the amount is huge and has been in arrears for a long time. It is recommended that you repay immediately, otherwise you may be sued by the bank.

2. Article 196: Credit card fraud involving one of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be subject to 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 person shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined 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 offender shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan. Or be sentenced to confiscation of property

1. A credit card, also known as a credit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. The form is a card with the name of the card issuer, validity period, number, cardholder name, etc. printed on the front, and a magnetic strip and signature strip printed on the back. Consumers holding credit cards can shop or spend money in specialized business service departments, and then the bank will settle accounts with merchants and cardholders. Cardholders can overdraw within a specified amount.

2. Advantages

Compared with ordinary bank savings cards, the most convenient way to use a credit card is to make ordinary purchases without cash in the card. In many cases, you only need to return the consumption amount on schedule.

You can overdraft without deposit and enjoy an interest-free period of 20-56 days. You can repay the money on time without charging any interest (most banks will charge 0.05 interest and 2 service fees on the day of withdrawal. ICBC does not charge service fees for withdrawals, only interest).

When shopping, swiping your card is not only safe and convenient, but you can also earn points for gifts.

Specialized merchants with bank cardholders can enjoy discounts.

Accumulate personal credit and add integrity records to your credit file, which will benefit you throughout your life.

There are no barriers across the country. You can withdraw money or swipe your card at ATMs and POS machines with the UnionPay logo; (Note: Credit cards are only suitable for consumption, it is best not to withdraw cash. The cash withdrawal fee is high and not cost-effective)

Credit card consumption, some credit cards Get existing points, and there are various discounts and lottery activities throughout the year, so you will always be surprised as long as you use the card; (most credit cards do not have points for online payment, but online shopping payment is very convenient and fast)

Every Free monthly mailed statements allow you to see every consumption expenditure at a glance; (now promoting green environmental protection, paper statements can be canceled and replaced with electronic statements)

Unique supplementary card function, suitable for couples*** Manage finances or control your children's financial expenses.

The free choice of one card and two coins is popular all over the world. Overseas consumption can be refunded in RMB.

400 hotline or 9-digit short number provides 24-hour service. Loss reports are effective immediately, and there is no risk of card loss.

Validity period: As we all know, the validity period of domestic credit cards is generally three to five years.

Use third-party platforms (the domestic platform that supports credit card bill management is mainly Chejindou) for business cooperation to provide cardholders with preferential services.

3. Disadvantages

The invention of credit cards is like a double-edged sword that can solve temporary economic crises. However, the purpose of issuing credit cards is to make money. Once the interest-free repayment time is exceeded, high interest will be charged, generally 5/10,000 interest per day.

Blind consumption by credit card is not like paying cash. You spend money one by one. I feel nothing after brushing it. A few numbers lead to blind consumption and money flowing down the drain.

Excessive consumption of laptops, digital cameras and smartphones. While enjoying your favorite items in advance, you should also consider whether you have the ability to repay.

Interest rates are high. If you don't take good care of your credit card and you fail to pay it back on time when the final payment date comes, the bank will charge you high interest.

(The minimum repayment amount for the first month of a credit card shall not be less than 10% of the overdraft amount for that month) [8]

Credit cards that require annual fees basically have annual fees, but most of them have annual fee-free policies. For example, CCB can be exempted if you swipe the card three times a year; however, if the number of card swipes within a year does not reach the number specified by the bank, an annual fee will be charged.

Card swiping basically defaults to password-free swiping for consumption. If the card is lost or stolen, it can easily be swiped by others, causing unnecessary trouble or losses; but in fact, credit cards can also be used to apply for credit card consumption through passwords - it depends How you manage your credit card. Of course, due to lack of experience in this area, many people do not cancel their accounts after canceling their credit cards. They were overdrawn by some criminals and lost money in vain.

Long-term malicious defaults will naturally affect personal credit records, and may even be blacklisted by banks. If you want to borrow money from a bank to buy a house or a car in the future, you may be rejected by the bank.

Trouble with cancellation CCTV once reported that a cardholder who had paid off all his debts still received bank statements a few months after canceling his credit card was very painful. This article, titled "Excellent Credit Cards," exposes the shortcomings of today's credit cards.

Although credit cards have interest-free periods, they are limited to card purchases. There is no interest-free period for cash withdrawals and there are handling fees.