In my opinion, unfair social phenomena will become more unfair.
-If the credit card is maliciously overdrawn by more than 10,000 yuan, the police will file a case for investigation?
Commercial banks are legal subjects that can lend money to individuals. When a commercial bank lends money to an individual, both parties are in an equal position and the rules of civil law apply. Moreover, before issuing a card to an individual, the bank fully investigates the relevant situation of the individual, and only when it is determined that the individual has the solvency will the corresponding amount of credit card be delivered to the customer. The credit card limit is determined by the bank according to the specific situation of the customer. When an individual has financial difficulties and can't repay within the time limit stipulated by the bank, he needs to pay the corresponding delayed interest, which is completely the right disposition of the civil subject and does not violate the mandatory provisions of the law. However, the financial information carrier of overdraft credit card today is that you borrow money from the bank, and the bank agrees, but you should be careful, there is a time limit. If you are urged twice by the bank and don't pay back the money for more than three months, the risk will be great and you may be investigated for criminal responsibility.
I want to borrow money from others, but I have been urged twice, and I still can't pay it after three months. The police will come to you and put you in prison. Wow! It's really scary However, the bank is happy that the debt collection department can be withdrawn, saving a lot of costs! How clever banks are!
Where is the justice of law reflected? Can banks really enjoy privileges? Can the police work for them to some extent? It is hard to imagine how the civil subject can be protected so much!
Real rich people rarely use credit cards to spend money, so there is no chance to be investigated by public security organs for malicious overdraft by credit cards! For example, the following types of people are the most common: civil servants, corporate executives, white-collar workers, high-income people and so on. Most unfortunate are some poor people and some low-income groups in China, because everyone knows that credit cards are a tool to trust goods. To put it bluntly, they are just tools for banks to lend you money. Do rich people need to borrow money from banks? Will he have to wait three months to repay the loan? Therefore, only the poor can apply for credit cards and overdrafts from banks. Once temporarily unable to repay, criminal responsibility will be investigated for more than three months according to the crime of credit card fraud. The civil dispute turned into a criminal case. The United States has repeatedly published human rights reports against China, and fair laws have been arbitrarily manipulated by some authorities. I hope some NPC deputies can stand up and vote openly on behalf of the people of China at the National People's Congress, instead of doing superficial work like other departments! At the same time, I hope China People's Political Consultative Conference can pay close attention to it and hold a meeting to vote against this law.