If there are two credit cards in the same bank and they do not enjoy the credit line, if they are suspected of credit card fraud, they will be sentenced according to the total overdraft of the two credit cards.

Brief introduction of the case:

Chen Mou runs furniture in Hanyang District, Wuhan, while Chen Mou is usually in charge of running the business outside, and his wife is in charge of the store operation. There are three employees in the salesroom. Once Chen Mou met his countryman Yemou at a dinner party, and Chen Mou was interested in Yemou's spare time futures investment, hoping that Yemou would take it with him. Then Chen Mou cashed out two credit cards he applied for and put them into the futures market. However, in the later period, due to the market problem, Chen Mou has been buying more, but the market trend is opposite. Chen Mou was completely trapped and then cut the meat and quit.

Because Chen Mou's outstanding credit card principal is already a "large amount", and its credit card funds are not used for consumption, but are cashed out on the POS machine installed by its own company, which is suspected of violating the rules.

Therefore, Industrial Bank reported the case to Hanyang District Public Security Bureau in Wuhan. He also issued the Application Form of Industrial Bank Taobao Joint Credit Card, the Application Form of Industrial Bank Xingyetong Credit Card, credit card collection records and proof of sending registered letters to the Public Security Bureau, and repeatedly collected the evidence of arrears from the cardholder Chen Mou by telephone, text message, letter and email.

after Chen Mou was detained, his family and relatives and friends raised money together and returned RMB95, to Industrial Bank on his behalf, and obtained the bank's understanding. Wuhan Branch of Industrial Bank issued a letter of understanding to it, and said that the settlement had been completed. The Wuhan Intermediate People's Court ruled that Chen Mou was guilty of credit card fraud and sentenced to one year and six months in prison. Chen Mou still refused to accept, and filed a complaint with the Hubei Higher People's Court, which was rejected.