1. How to deal with the subpoena from the Economic Investigation Division of Credit Cards

1. Being summoned by the Economic Investigation Division for an overdue credit card means that the overdue credit card has entered the judicial process. For credit cards, If you are summoned by the economic investigation after the expiration date, the judicial authority will decide whether to file a case; because once a case is filed for credit card fraud, it is a criminal case and cannot be dismissed at will. It must be dealt with. If the circumstances are met, the cardholder may be imprisoned.

2. Normal overdue cases are civil disputes and do not fall under the jurisdiction of economic investigation. However, if the credit card is overdue for more than three months or the bank has not repaid the debt more than twice, the bank will freeze it and list it as a prohibited customer (blacklist). At the same time, the police station will be contacted to summon the individual. If the person refuses to repay the law, he or she will be prosecuted. Credit card fraud and malicious overdrafts.

2. How to accept overdue credit cards by the Economic Investigation Brigade

1. When accepting a case, the reporter should first explain the purpose of his visit to the police officer of the Economic Investigation Department, fill in the "Report Form", and accept the case. When receiving inquiries from police officers, truthfully explain the relevant situation and provide relevant evidence and materials.

2. After accepting the case, the receiving police officer will promptly enter the case into the police information management system, prepare a "Registration Form for Accepting Criminal Cases" through the system, and submit the "Report Receipt" automatically numbered by the system to the report people.

3. After accepting a criminal case, the economic investigation department will start the case filing review as soon as possible. Generally, within 7 working days, a decision will be made on whether to file the case or not, and the parties will be notified. In the case of difficult or major economic crimes, the decision on whether to file the case can be extended for 30 to 60 working days, but it needs to be approved by the relevant leaders. If the review period is extended, the case-handling unit shall provide a good explanation to the person reporting the case.

3. How to file a case for overdue credit card economic investigation team

1. After the economic investigation department of the public security organ accepts the report, after review, if it meets the conditions for filing the case, the public security organ at or above the county level will be responsible With the approval of the person concerned, the case shall be filed. Anyone who is not held criminally responsible in accordance with the law will not file a case with the approval of the person in charge of the public security organ at or above the county level.

2. If the public security organ decides not to file the case after review, if there is an accuser, it should prepare a "Notification of Not Opening the Case" and serve it to the accuser who reported the case within seven days. If the accuser is dissatisfied with the public security organ's decision not to file a case, he may apply to the public security organ that made the original decision for reconsideration of the case, or raise an objection to the People's Procuratorate at the same level.

Although most overdue credit cards fall into the category of civil disputes, it is not ruled out that some special cases may involve the crime of credit card fraud. Once it is determined to be a crime of fraud, the sentence will be based on the relevant circumstances. There may be a risk of jail time, so when you use a credit card, you must use it reasonably and within the scope of the law.