If the overdue amount of the credit card reaches 50,000 yuan, it may involve fraud. If the overdue amount of the credit card is relatively large, exceeding 50,000 yuan, then the bank will start the investigation procedure: Is the person who owes money maliciously overdrawn the credit card? Is it malicious cash? Like some people, go to the bank to get a credit card. As soon as I got my credit card, I swiped it all, and then I left it alone. This is obviously a tendency to cash out maliciously. As long as the bank can find evidence of your malicious overdraft from your bank account, it can sue you for "fraud"
According to Article 266 of the Criminal Law of People's Republic of China (PRC), whoever commits the crime of financial fraud shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also be fined. If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined. If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment and shall also be fined. The specific sentencing standards are as follows: if the amount of fraud is below 4000 yuan, a fine will be imposed. More than 4000 yuan, less than 5000 yuan, for control. Those who reach 5000 yuan shall be sentenced to criminal detention of not more than three months. For every increase of 1670 yuan, the sentence will be increased by one month. Those who reach 1000 yuan shall be sentenced to six months in prison. For every increase of 1000 yuan, the sentence will be increased by one month. Those who reach 40,000 yuan shall be sentenced to three years' imprisonment. For every additional 2,000 yuan, the sentence will be increased by one month. Those who reach 200,000 yuan shall be sentenced to 10 years in prison. For every additional 4,000 yuan, the sentence will be increased by one month.
However, in general, it is rare to be convicted of fraud because of overdue credit cards. A hundred people, not one. Use your credit card normally, or rob Peter to pay Paul. In the end, because you can't repay, it's not fraud, so don't worry about going to jail.
After the court issues a judgment, it must actively cooperate. Deliberately hiding and transferring property may also lead to imprisonment. If the bank appeals to the court and finally decides, it must cooperate well. If, during this process, the court finds that the party concerned has transferred or concealed property, it is also illegal and may go to jail.
Article 313 of the Criminal Law: "Crime of refusing to execute a judgment or ruling" Whoever has the ability to execute a judgment or ruling of a people's court but refuses to execute it, if the amount is relatively large and the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine. If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.
For example, if you owe 500,000 yuan to your credit card, in order not to pay it back, you will transfer your house to your family and sell your car and other assets to relatives and friends at a low price. These behaviors belong to property transfer. Once verified by the court, it belongs to the crime of refusing to execute the ruling or judgment. Depending on the seriousness of the plot and the amount of money, you may face jail.
It is not a good habit to spend money in advance. Nowadays, non-cash payment is particularly popular, and many people spend money without restraint. A month's salary is spent in less than half a month. For the remaining half month, I lived by investing in credit cards. Obviously, I earn 3,000 yuan a month, but I always want to earn 5,000 yuan a month. If you earn 5000 yuan a month, think about living with a monthly income of 10000 yuan. Many people are pursuing a kind of false exquisiteness, which eventually leads to going further and further on the road of debt.
In case of any accident, the way of "robbing Peter to pay Paul" can't be played, and we can only watch the credit card expire. Then he was sued by the court, blacklisted and restricted consumption. If you don't say it, it will have a great impact on your family and friends. Spend a penny if you have one, and spend as much as you earn. Fake exquisite life is really harmful to others and yourself. I hope everyone with overdue credit cards can get out of the misery as soon as possible!