The loan or credit card account status is displayed as abnormal status such as frozen, stopped payment and bad debt;
G (unsettled account cancellation) appears in the repayment status records of credit cards in the last 24 months (note: credit cards with account status of "account cancellation", the last 24 months refer to credit cards with account status of "normal", and the last 24 months refer to the last 24 months of the settlement year, the same below).
3. Article 196 of the Criminal Law stipulates that in any of the following circumstances, if a large amount of credit card fraud is committed, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan shall be imposed; 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 ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan;
If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property.
Exceeding the time limit will not only result in a 5% late payment fee for the minimum unpaid part, but also a penalty interest for the full amount of the statement (the daily interest is 0.5 ‰, interest will be calculated from the day of consumption, and interest will be recovered monthly until the principal and interest are paid off), and a bad credit record will be generated in the Credit Information Center of the People's Bank of China, which will seriously affect the application for credit cards and bank loans within five years.
Refer to Baidu encyclopedia entry criminal law