Received a penalty notice SMS.

This is mainly the role of deterrence. Article 196 of the Criminal Law is about the crime of credit card fraud, but in fact, in the judicial interpretation, the principal part of credit card arrears does not exceed 5,000 yuan (excluding interest and late fees), which is not enough to constitute the crime of credit card fraud. Well, in order to recover your arrears as soon as possible, the bank naturally wants to scare you into paying back the money as soon as possible. In fact, you owe 3 198 yuan, and even if the interest and late payment fee do not exceed 5,000 yuan, you can't be prosecuted. At most, it is a civil lawsuit, demanding to pay off the arrears, and there is no risk of imprisonment.

However, it is recommended to repay the loan as soon as possible. Even if it is impossible to repay in one lump sum, you can choose the lowest repayment or other amount to repay first, because as long as the willingness to repay is reflected, banks are unwilling to sue easily. After all, it also has a cost.

When I first joined the business, I made a reminder, although I don't do this job now.