generally speaking, if a credit card is summoned by an economic investigation within the time limit, the judicial organ will decide whether to file a case. Cardholders who owe credit cards and are arrested by the police need to owe credit cards for the purpose of illegal possession of money. Specifically, it is divided into the following situations:

1. Cardholders who know in advance that they have no repayment ability and have to overdraw their bank cards in large quantities, which makes them unable to repay;

2. Cardholders who squander credit card funds and cannot repay them;

3. Cardholders who escaped after overdrawing their credit cards;

4. Cardholders who transfer funds to avoid repayment;

5. Cardholders who use funds to engage in illegal activities.

The consequences of overdue credit card repayment are as follows:

1. Interest penalty: calculated according to the daily interest rate of .5%;

2. Late payment fee: calculated according to the amount of overdue repayment, specifically 5% of overdue repayment;

3. Credit impact: Overdue repayment will lead to personal bad credit records. You can continue to apply for credit cards and loans within three times, but the corresponding amount is small and the interest rate is high. If you don't repay more than six times, you will be blacklisted, and you will not be able to apply for credit cards and loans;

4. Criminal punishment: Those who overdraw the credit card by more than 5, yuan constitute the crime of credit card fraud and will be sentenced to fixed-term imprisonment of less than 3 years. Those who overdraw 5, to 2, yuan are huge, and they will be sentenced to 5 to 1 years in prison. Those who overdraw more than 2, yuan are particularly huge, usually more than 1 years in prison.

to sum up, once the crime of credit card fraud is put on file, it belongs to a criminal case, which cannot be dismissed at will and must be handled properly. If the situation is bad, the cardholder may go to jail. Being summoned only means that the bank thinks that the cardholder is maliciously overdue, but whether he will go to jail in the end depends on the court's decision. Therefore, even if the friends are summoned by the police station, they don't need to worry too much, just respond positively.

Legal basis:

Article 194 of the Procedures for Handling Administrative Cases by Public Security Organs

The following items seized in handling administrative cases shall be confiscated according to law:

(1) contraband such as drugs and obscene articles;

(2) gambling tools and gambling funds;

(3) paraphernalia for taking or injecting drugs;

(4) forged or altered official documents, certificates, supporting documents, tickets, seals, etc.;

(5) valuable tickets such as reselling tickets for travel, theatrical performances and sports competitions;

(6) my own tools mainly used to commit illegal acts and funds directly used to commit drug-related illegal acts;

(7) Other illegal property that can be confiscated according to laws and regulations.

unless there is evidence that the tools listed in item 6 of the preceding paragraph are legally owned by others, they can be directly identified as owned by the violator himself. If it is obviously worthless, it is not necessary to make a confiscation decision, but the handling situation shall be indicated in the evidence preservation document. The illegal income shall be recovered or confiscated according to law. If multiple violators commit illegal acts together, and the owners of illegal gains or illegal property cannot be distinguished, they shall be treated as illegal gains or illegal property together.