I haven't returned my credit card for three months. Today, they sent me a message saying that I should pay back the money as soon as possible to avoid legal proceedings. What does that mean?

Yes, please pay back the money as soon as possible.

If the payment is overdue, it will not only result in a 5% overdue penalty for the minimum unpaid part (minimum 65,438+00 yuan), but also a full penalty for the statement (five ten thousandths of the daily interest, the interest will be paid on the day of consumption, and the interest will be recovered monthly until the principal and interest are paid off), and it will also produce a bad credit record in the Credit Information Center of China People's Bank, which will affect the application for credit cards and bank loans.

If it is overdue for more than three months or the bank reminds it twice or more, the bank will freeze the card and list the cardholder as a prohibited customer (blacklist). At the same time, it may also sue cardholders for credit card fraud and malicious overdraft, which will be enforced by the court. If you refuse to pay back the money after prosecution, and the amount owed exceeds 65,438+0,000, the court will sentence you for credit card fraud according to Article 65,438+096 of the Criminal Law!

Article 196 of the Criminal Law stipulates: in any of the following circumstances, whoever commits credit card fraud activities with a relatively large 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; 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:

(1) Using a forged credit card or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

3. Fraudulent use of other people's credit cards;

4 malicious overdraft.

Malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or term for the purpose of illegal possession and refuses to return it after being urged by the issuing bank. You belong to the fourth situation.