I am in jail for a credit card worth 6,000 yuan, and my credit report has become a black hole. I suggest that I ask my family to pay off the debt as soon as possible, and remember to repay the loan in the future.

1. The use of credit cards in the following three items is against the regulations

1. Apply for forged, defrauded, canceled or impersonated credit cards, and carry out fraudulent activities with a total amount of more than 5,000 yuan.

2. Overdraft credit card. For the purpose of illegal misappropriation, the cardholder exceeds the prescribed limit or requires the cash to be disclosed within a time limit, but refuses to return it despite being urged by the card-issuing bank. According to the requirements of Article 196 of my country's Criminal Procedure Law, anyone with a large overdraft amount shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan.

3. Overdue loans will not be repaid. The loan is overdue for more than 3 months, and the overdue loan amount exceeds 10,000. If the bank fails to make two reminders, the bank will file a lawsuit against the cardholder.

2. Four rules for using credit cards correctly

Rule 1. As long as you cherish your credit limit, don’t default on the bank’s money, because the bank’s money cannot be delayed for one minute, so You would rather pay early and overpay than owe the bank a penny. If you default, your credit will go down, which can cause a lot of trouble.

Rule 2: When applying for a card, cardholders should not apply for a high-value credit card just because they think they have a car and a house. If they have not contributed to the bank, the bank will not give you a high-value credit card immediately (except in special circumstances). The high-value credit card will slowly improve based on your credit and card usage.

Rule 3: Try to control your consumption, and try not to use credit cards to withdraw cash or invest money in credit cards, because the interest and handling fees for cash withdrawals with credit cards are very high. Just invest and make money. If something goes wrong, how will the money on the credit card be paid back?

Rule 4: The money in the credit card can be used in many ways, not just one project; develop a good habit of swiping your card, no matter how much, but use the capping machine less or no swiping. Appropriate installment can help increase the amount.

If the cardholder has been overdue on a loan for a long time and has a bad attitude toward repayment, the bank will either include the account as a bad debt loss and write it off, or go to court to sue the cardholder and ask the People's Court to apply for compulsory repayment. Repayment. It should be noted that cancellation does not mean complete cancellation, but the bank still reserves the right to collect the debt. After learning that the cardholder has property, the bank will pursue it again. To sum up,