1. What are the regulations for surrendering overdue credit cards? Defaulting on a credit card is not necessarily a crime. Only credit card fraud can constitute the crime of credit card fraud. If someone is suspected of a crime and surrenders, the punishment should be reduced or exempted. If a cardholder maliciously overdrafts a credit card of more than RMB 10,000 for the purpose of illegal possession and fails to return it for more than three months after two collections by the issuing bank, he will be held criminally responsible for credit card fraud. Appropriate sentencing of those who surrender is the guarantee for the correct implementation of the leniency system for surrender. According to the general principles of sentencing stipulated in China’s Criminal Law and judicial practice experience, it is generally believed that the general principles of sentencing for surrender should grasp the following three points: 1. Main basis Facts of crime. The criminal's surrender can end the continued harm to society caused by his crime, but the damage caused to society will not be eliminated by surrendering. When a criminal surrenders, he only expresses his attitude toward the crime he committed and does not change the original facts of his crime. Therefore, when deciding the sentencing of criminals who surrender, the judges must base their criminal facts as the main basis. In judicial practice, judges first draw up a "penalty range" based on the severity of the crime of the person who surrenders and compares it with relevant laws, and then combine the lenient circumstances of the surrender. Therefore, they must grasp the degree and be strict and lenient in an appropriate manner, so as not to indulge in unnecessary punishment. 2. Consider the circumstances of surrender in detail. Mainly include: (1) The time of surrender. The sooner or later the criminal surrenders, the sooner or later the criminal repentes; it also explains the duration of the criminal's criminal behavior and the harmfulness to society. (2) Reasons and motives for surrendering. The criminal's confession, repentance, and repentance after committing the crime are the three major elements of the motive for surrendering. If the attitude of repentance is good, surrendering also shows the degree of remorse, which should also be considered when sentencing; (3) The confession of the crime Condition. Whether the confession of the crime is thorough and voluntary also shows whether the surrenderer is sincerely repentant; (4) Whether the criminal has taken the initiative. Judges must pay attention to these four major circumstances when sentencing. 2. What is the sentencing standard for the crime of credit card fraud? Article 196 of the "Criminal Law" falls under any of the following circumstances. Whoever commits credit card fraud activities and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined 20,000 yuan. A fine of not less than 50,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances Whoever commits a crime shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have his property confiscated: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identification; ( 2) Using an expired credit card; (3) Pretending to use another person’s credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. Anyone who steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law. To sum up, defaulting on overdue credit cards generally does not constitute a crime. It still depends on the subjective consciousness of the perpetrator. Only intentional defaulting can be considered a crime of credit card fraud. According to the criminal procedure, a case will be opened for investigation. , if he surrenders, he will still be considered for a lighter punishment when sentencing.