Credit card economic survey

My credit card is overdue for more than 30 thousand years. I got a call from the economic investigation, asking me to accept the investigation. Is it necessary to go?

I just committed a similar credit card crime. The case was tried in the first instance for seven years, and the second instance was innocent, which should be able to answer your question.

First of all, if you receive a verbal summons from the case-handling organ, you must cooperate with the investigation, otherwise you may be forced to summon.

Secondly, if you are really suspected of committing a crime, accepting a verbal summons from the public security organ, actively cooperating with the investigation, and truthfully confessing, it can be considered as surrender in judicial practice.

Thirdly, you need to consult a professional criminal lawyer to verify whether your behavior constitutes a crime and whether there is room for remedy.

The last word of advice, take the initiative to go to the credit card issuing bank to communicate the repayment and then investigate. If there is any change in contact telephone number, home address, work address, emergency contact and other information, it is necessary to change the information retained by the credit card in time. If you refuse to answer the bank's dunning call for many times, you need to contact the bank as soon as possible, negotiate repayment and record it for evidence collection, or directly repay part of the arrears.

The most important feature of credit card crime is refusal to return it. If it is true that you can't repay it on time due to financial difficulties, at least you should take the responsibility and behavior of repayment, so as to show your sincerity in not evading and abolishing debts and avoid turning civil cases into criminal cases.

You ask your policeman's last name and alarm number, and then call him grandson directly and tell him what it's like to pretend to be a policeman.

It's really the turn of the economic investigation to investigate you. I'll call you. The easiest way is to arrest you directly and call you back?

You owe 30 thousand yuan, and it's your turn to be investigated by the Economic Investigation Bureau? You take yourself too seriously. People can't catch hundreds of millions of criminals. Take the time to find out how big your problem is and waste national resources.

Negotiate with the bank to solve the problem For example, if you set up an unsecured illegal credit card online, and it is a credit card advertised by the bank, I suggest you not return it. They will induce you to spend illegal online loans and pay for it!

If the credit card is overdue for half a year, it is impossible to receive a call from the economic investigation! I'll tell you my experience in handling nearly 100 cases of overdue personal credit cards. Are you sure that the so-called economic investigation call you received was a "real" call from the economic investigation brigade or squadron of the public security organ?

Why do you ask?

After the credit card is overdue, in the first accounting period (the bank credit card center takes three months as an accounting period), it has already decided what action to take against the cardholder. Most people above 95-98% will continue to receive calls, text messages, legal reminders and on-site verification until the creditor's rights are packaged and sold. Another 2-5% people may be attacked by banks, but this is a private economy and will not directly use public security forces. Only a few people will be taken away by J. Cha, pay attention! If you are taken away, J Cha will appear directly in front of you and won't call you at all! In this case, I collected three cases and can share them here:

One is that at least six years ago, a man in his forties, a private owner, lost his principal because of business failure, which led to the overdue credit card of CITIC Bank. More than 10,000 yuan was brought back to the office by J, a citizen of the jurisdiction, who claimed to be the Legal Affairs Department of CITIC Bank in the store. He was taken to a separate room on the second floor and ignored for several hours. Finally, the man (the smaller one) opened the window, drilled through the iron fence and jumped out of the window. I ran to a friend's house and hid for a while, then I did nothing and didn't pay back the money. But he himself said that he learned it from the Internet, and he was still a net escapee. For so many years, he has never been on a train or plane or stayed in a hotel.

The second one is also a man, about 40 years old. The couple run a clothing store and both have credit cards. Still citic. Last summer, it was still in the shop. At noon, when the man himself was in the store, it was CITIC Legal Affairs and J, a citizen of the jurisdiction, who took him to the office for questioning. Tell him to call home and pay. Finally, the next morning, my wife came back with 3000 yuan.

The third is a lady, in her thirties. The couple run a restaurant. They both have credit cards. Last autumn, a woman's Bank of Communications received a phone call saying that she could come to the local credit card center to negotiate repayment after three months overdue. The woman went, and was later called by the bank 1 10, and was taken away by the citizens in the jurisdiction. She also asked, saying that there was a suspicion of a credit card. The woman was frightened and called her husband. The man bought two cigarettes, and many people didn't come back until after 9 o'clock in the evening.

Talking about these real cases, I just want to explain that the high probability of receiving a phone call from the economic investigation is to receive fakes. If you go, the other party will call the police, contact citizen J of the jurisdiction and take you away. If you are not sure about filing a case, you can only be sick for 24 hours.

On the other hand, if you are really suspected of committing a crime and receive a verbal summons from the public security organ, then the other party will clearly tell you to actively cooperate with the investigation, and you must go directly to the public security organ, not elsewhere.

Through these cases, debtors are also reminded that after the credit card is overdue, they should treat it positively immediately and should not evade the problem. In particular, we should face up to the overdue from the heart and sort out our financial data. At the very least, you should be able to tell the bank how long the credit card has been used, how many bills have been paid, how much is it, how much is the last bill, whether it is in stages, how many installments have been paid before, how much is it, and so on. When communicating with the bank for the first time, you can make your own situation clear. I believe you will save yourself a lot of unnecessary trouble and deal with the problem naturally.

Don't! Let the bank go by itself! Answer the key phone, don't admit that you can't afford it, just some problems. Pay back ten or twenty dollars a month and throw the contradiction to the bank. Evasion may be blamed. Remember, money owed to the bank is not owed to life!

I received it in January a few years ago. I was owed 26 thousand's principal, penalty interest and so on. Let me describe the situation to you first.

There are many words, all of which have just been experienced. All dry goods, no nonsense. I hope it helps you.

First of all, I am overdue on multiple platforms, and I don't answer many calls. If I answer them, I can't explain the problem, let alone solve it. That morning, my ex-wife called me with a number to contact me quickly. She is the emergency contact of my credit card, and he didn't make it clear who this person is. I called, and the man said he was from XX City Bureau, reporting to the audit center. Note that this unit has been confirmed by many parties and does not exist. Moreover, my household registration has long been in my current city, and the city where the "police officer" belongs is my birthplace. The "police officer" told me that I needed help in reporting the case. I would take an immediate family member to him for help in a day or two, and then give me a director of the Industrial Bank. I will contact you first to see if I can solve your arrears and let the bank withdraw the case.

The director of the bank also contacted me, telling me how to solve this overdue problem, and then helping me to withdraw the lawsuit, free of fines, and only paying attention to the principal.

In fact, there were a lot of questions at that time. I searched online to see if you had encountered such a situation. Besides, I have a friend of the police who is engaged in economic investigation and checked with me. That's a fake. It's a collection routine. But at that time, as a party, I didn't want to make a mountain out of a molehill, but wanted to borrow the hand of collection and let my family help me again, more or less. My final result was that my family took the principal for me, paid it back and deposited it at the bank counter.

My answer to you is that if you can pay him back, you can get rid of him, go to work at once and work hard. If you can't pay back the money, don't answer any calls. Don't believe in any routine. First of all, the police won't speak for the bank and ask you to pay back the money. In addition, if the single card does not exceed 50 thousand, there is no problem. You got it? If one day you come, sit down and make it clear slowly. But it must be true and sincere, not too persistent.

@ Coconut City Xiaopang, as a former account manager of credit card collection, told you that this call was threatened by an outsourcing collection company with a high probability. If it's really a telephone survey, I'll give you the address, and you can go over and cooperate and negotiate. As long as there is no formal case, you still have a chance.

For the general process of credit card collection, you can see my other answers if you are interested. The landlord asked me to get a call from the Economic Investigation Bureau to let the past cooperate with the investigation, which probably happened in the process of territorial expropriation. Generally, when there is no actual progress in local collection, we will use the landline that the unit does not often use for this operation, falsely claiming that it is the Economic Investigation Detachment of the Public Security Bureau or informing the debtor that the bank has failed to negotiate many times. Now we have waited for the routine and used the debtor's fear to collect again.

Of course, the landlord may also receive a call from the Economic Investigation Brigade, because the bank will really give the list of customers who want to report the case to the Public Security Bureau, and those who are willing to negotiate will have the last chance. I'm sorry, they really arrest people for credit card crimes.

Therefore, @ Coconut City Xiaopang sincerely advises everyone to spend reasonably, overdraw reasonably and cherish credit. If you try to solve it after the deadline, Lao Lai has no way out.

If the economic investigation calls you and asks you to investigate, you can go. What are you worried about? Your current overdue repayment is only a matter of personal repayment ability, and you have not committed a crime. Whether it is the economic investigation, the public security or finding you, you can respond to the lawsuit normally. It's no big deal, but you have more than 30 thousand credit cards, which are overdue for half a year, and you have added a lot of interest and liquidated damages. You really need to repay this debt to the bank, although the bank has more debt interest and liquidated damages. However, this situation can also be negotiated in stages. If you negotiate and communicate with the bank by stages, you must decide with the bank how many stages to divide and how much to pay back each month. That's it. As I have said many times, I suggest that if the debtor is overdue, he should settle the debt as soon as possible and negotiate the installment as soon as possible. Otherwise, if you ignore it for a long time, it will be overdue, and then the interest will increase, which will eventually lead to problems in your personal credit information. It is better to pay in installments as soon as possible, so I advise my father and men to actively negotiate if they are overdue.

It is recommended to record the whole process when answering such calls, which I have encountered. This is actually urging the company to impersonate its identity! Leave evidence to deal with him.

What should I do if my credit card is investigated and summoned after it is overdue? Will you go to jail?

Ito's point of view:

Article 8 of the Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management stipulates that if the amount of malicious overdraft is more than 50,000 yuan but less than 500,000 yuan, it shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 500,000 yuan but less than 5 million yuan, it shall be deemed as "a huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 5 million yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.

In other words, if the overdue amount is more than 50,000 yuan, it will be considered as a malicious overdraft that constitutes a credit card crime and needs to bear criminal responsibility. Therefore, credit cards can be divided into two situations after being investigated and summoned within the time limit.

1. The overdue amount of the credit card exceeds 50,000 yuan.

Once summoned by investigation, it means that you have entered the judicial intervention procedure. In fact, this step shows that you have reached a very serious and complicated situation. At this time, there is the last step, which is to negotiate settlement with the bank; As long as it is not a serious criminal offence, good attitude, cooperation with the investigation, mediation can generally succeed.

2. The overdue amount of the credit card is less than 50,000 yuan.

At this time, if you are summoned, it is likely to be false, and the collector is likely to be false. Because the overdue amount of the credit card is less than 50,000 yuan, according to the criminal law, you will not be investigated for criminal responsibility, nor will you be investigated for responsibility. Of course, you will not be summoned. Of course, the bank has the right to you, and you still have the obligation to repay.

Some cardholders don't know much about credit cards and think it doesn't matter if they have no money for the time being. Anyway, if you can't find me, you can call at most. what can I do? As we all know, credit card breach is not treated as contract breach, but as credit card crime. The former is a civil matter, which can be enforced at most, while the latter can be criminally detained or even sentenced by public prosecution.

So what should we do correctly when we have been summoned by investigation?

First, keep the phone open, actively cooperate with the economic investigation to explain their own situation, and clarify the positive repayment attitude.

Second, take the initiative to find the issuing bank to explain the situation, take a positive attitude, and it is best to have evidence or prove the reason for your overdue, and record the evidence all the time.

Third, take the initiative to repay, as far as you can.

Fourth, negotiate the repayment plan with the issuing bank, and let the issuing bank withdraw the case for investigation, so as to ensure that you will not be detained before litigation and the criminal case will be closed. The purpose of the bank is to make you pay back the money, not to subject you to legal sanctions;

In any case, it is natural to pay back the debt, and it is still the bank's money. I hope that friends with overdue cards will take the initiative to communicate with the issuing bank for repayment as soon as possible, and don't escape or lose contact. If you are temporarily unable to repay, you can reach a personalized installment repayment agreement with the bank according to the provisions of Article 70 of the Measures for the Supervision and Administration of Credit Cards of Commercial Banks. Running away will only make things worse.

Facing the debt positively is the correct way to deal with it!

It's just a family statement If you have different opinions, you can leave a message in the comment area. * * * Let's discuss it together.

My dad's credit card debt of 654.38 million+is overdue. Now I have received a short message from the Economic Investigation Brigade. What should I do?

Your father owes a credit card account100000 yuan. It is best to actively communicate with the bank staff (collection department or legal department) of the credit card center of the issuing bank to reach a settlement.

If you keep dodging, refusing to answer the phone call from the bank and not paying back, and your father's credit card debt has exceeded 50 thousand yuan,

Once the bank reports the case, your father will be summoned by the investigation department of the public security organ for investigation and handling on suspicion of "credit card crime" in Article 196 of the Criminal Law of People's Republic of China (PRC).

However, when the investigation department of the public security organ summons the criminal suspect suspected of credit card crime according to law,

Will take the following ways;

One; For verbal summons by telephone, the police in the economic investigation department will call your father. First of all, the police will tell your father his surname, telephone number, the unit and department he belongs to, briefly explain the problems your father is involved in, and inform your father to go to the public security organ to cooperate with the investigation at the specified time. If your father refuses to answer the phone or the phone stops, the police can also call his family and ask them to inform him on his behalf. Now is the era of smart public security big data. The police obtained the contact information of the suspect's family through your father's ID card information and the public security big data system. Every minute,

Second; House-to-house summons,

Generally, more than two policemen (or a policeman and an auxiliary policeman) from the case-handling department summon the suspect to the suspect's house with a summons card issued by the legal department of the public security organ.

Third; Search warrant,

The public security organ may forcibly summon a suspect who refuses to be summoned orally by telephone or comes to the door with a summons card, that is, compulsory summons.

More than two policemen in the case-handling department came to the door with a summons card, handcuffed the suspects involved in the case who refused to be summoned and forcibly brought them back to the public security organs for investigation.

The public security organ will not inform and discuss the specific case in detail with the criminal suspect or his family members on the phone, and will not send text messages to his family members.

Therefore, the short message you received from the Economic Investigation Department was sent to you by a third-party collection company in the name of posing as the people's police of the public security organ. You should keep the SMS evidence and report the case to the public security organ in time.

To tell you clearly, the economic investigation will not call you, nor will it send a text message. It is just a means of collection. Prepare the evidence and counterclaim the collector. I've never heard of police telling each other before arresting people.

Don't be afraid, it's a reminder message, and the screenshot of the message leaves evidence. If the fixed amount of a single card exceeds 5 W, it may be overdue by the bank.

What should you do? All you have to do is tell your dad to make sure it's really a phone call from the economic investigation.

If not, keep the relevant evidence and call the police to tell the bank to pose as an identity and threaten you. If so, the bank has reported to the public security bureau that your father's credit card is malicious and summoned your father to the public security bureau to explain the situation.

At this time, you must go to the public security bureau to explain your overdue situation and put forward your repayment opinions. If ignored, the public security will transfer the case to the procuratorate for prosecution. This is a criminal case, and you will be sentenced to jail.

If it really comes to this, there is no need to panic. You must ask a lawyer to defend you at this time. Mainly around several aspects of credit card malicious overdraft defense. First, there is no forgery of credit cards, and second, there is no credit card that overdraws cash knowing that it is unable to repay. Third, there is no case where the bank deliberately fails to answer the phone and loses contact when collecting money. The fourth is to issue personal debt, no source of income, poverty certificate, unemployment certificate or poverty certificate due to sudden illness. Fifth, we must express it strongly and fully. No matter what we talk about now, we must fulfill our repayment obligations and hope to reach a repayment agreement through consultation with the bank.

The key and skill of communication is that when your father talks with the public security procuratorate, he must make them give enough sympathy and understanding to your father's present situation. As a result, they will stand on your side, communicate with each other and maximize the negotiation between your father and the bank. For judges, prosecutors and police, the pre-trial reconciliation of cases is the best of their job evaluation indicators. Besides, the bank told your father that the ultimate goal is to repay the debt, and he is willing to negotiate, so the result reached through negotiation is most beneficial to your father. The whole thing is not good, as long as you pay the principal and then pay a very small part of the interest, and the number of installments is still the longest 60.

Anyway, the police summoned your father to check the situation. It must be that the bank reported the case to the public security organ, and your father's credit card requested to file a case, and the bank must also grasp and provide relevant evidence. If your father understands one or two of these things, he will take the initiative to defend you. As you, be yourself, give your father some pertinent and benign advice, say less negative words and temper that don't solve the problem, and encourage him to face the problem bravely. Debt is not terrible, and the poorest thing is begging. As long as people are willing to work hard before they die, the debt will be paid off one day.

You can keep all this evidence. I was in the same situation. My wife really took me to the Economic Investigation Brigade, and we also met the case handlers. The police directly said that we both had problems. If we want to arrest you, do you think we will inform you in advance? Tell you to run? You call this bank directly and tell him you want it. Their tactics belong to intimidation.

If you are a good father, you might as well share it with him silently. Don't panic. If you are an incompetent father, take care of your life, believe in cause and effect, and everyone is responsible for his actions.

Find the old man alone to confirm whether it is true or not. If not, don't worry. If the debt is confirmed, let your old man tell the truth. It is estimated that the pit is more than 65438+ 10,000, so be prepared.

My dad's credit card debt of 654.38 million+is overdue. Now I have received a short message from the Economic Investigation Brigade. What should I do?

First of all, we must understand whether it is a real economic investigation notice or a routine of a collection agency. Generally speaking, the economic investigation will not inform the parties by SMS, nor by personal mobile phone, but by the office landline of the economic investigation. Therefore, if it is a SMS notification, the high probability is the flicker of the collector.

If it is really a notice of investigation, it is speculated that most of the parties meet the conditions for filing a credit card crime.

1. The conditions for filing a credit card crime are that the credit card is overdrawn, the single card is more than 50,000 yuan, and it has been effectively collected for more than two times, and the card issuer refuses to repay it for three months. Generally less than five years.

credit card

2. Interpret the above provisions in a popular way. First, the overdraft amount exceeds 50,000; The second bank repeatedly urged money, but the parties ignored it; Third, it has been some time.

3, understand the above content, the rest is easy to say.

First, don't think that credit cards can be overdrawn at will. If the amount is large and refuses to repay, the bank will never let it go.

Second, after the credit card is overdrawn, don't think that hiding will be fine. Instead, it will create conditions for you to be investigated for criminal responsibility. For example, refusing to answer the phone, changing residence without informing the bank, and not paying the principal and interest for a long time.

Third, as far as the current situation is concerned, it is suggested that the parties should negotiate with the issuing bank in time to solve the problems, such as installment repayment and so on. If the parties have the sincerity to return part of it first, and the rest will be settled through consultation, the bank will agree in most cases.

Fourth, as long as the two sides reach an agreement, the bank can withdraw the lawsuit, and whether to pursue criminal responsibility depends mainly on the attitude of the bank. Therefore, the parties concerned should not stick to their own opinions and take action to solve the problem as soon as possible, otherwise, it is not impossible to go to prison for several years.

Don't be afraid, as long as the money is used for normal consumption, there is no problem of going to jail. Actively cooperate. They just want to know the situation. At best, they advised your father to pay back the money as soon as possible. Of course, you have to pay back the money. No money, nothing to do. Just make it clear. Pay it back when you have money It's no big deal to have money. At most, you can pay it back if you have money, and then apply for enforcement for two years. Remember that the most important thing is not to lose contact and change the phone, so as not to be "suspected of credit card" by the bank. Some people are not good, and then face them positively. As long as you have an optimistic and positive attitude, you can tide over the difficulties.

What is the standard of credit card survey?

1. What are the criteria for filing a credit card investigation? Anyone suspected of one of the following circumstances shall be put on file for prosecution: (1) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate, or using an invalid credit card, or using another person's credit card for activities with an amount of more than 5,000 yuan; According to the provisions of the Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management (revised in October 20 18 1 8, and implemented in February 20 18), credit card swiping activities are carried out by using forged credit cards, credit cards fraudulently obtained with false identification, invalid credit cards or other people's credit cards1. The amount is relatively large: more than 5,000 yuan and less than 50,000 yuan. 2. The amount is huge: more than 50,000 yuan but less than 500,000 yuan. The amount is huge: more than 500,000 yuan. 2. Malicious overdraft. The term "malicious overdraft" as mentioned in this article refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and has not returned it for more than three months after being effectively collected by the issuing bank twice. The amount of malicious overdraft refers to the actual overdraft principal amount that has not been returned when the public security organ files a criminal case, excluding interest, compound interest, late fees, handling fees and other fees charged by the issuing bank. The amount returned or paid shall be regarded as the return of the actual overdraft principal. If the amount of malicious overdraft is large, and all of it has been returned before public prosecution, or there are other minor circumstances, it may not be returned; If all of them are returned before the judgment of first instance or there are other minor circumstances, they may be exempted from criminal punishment. However, except for those who have been punished for credit card for more than two times. Judging from the provisions of the Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management (revised in June 20 18 and implemented in February 20 18), the amount is 1, which is relatively large: more than 50,000 yuan but less than 500,000 yuan. According to the above-mentioned credit card filing standards, regardless of whether it is intentional or not, whether it causes economic losses to others, if the perpetrator is not a minor or an elderly person, then his behavior will be severely punished. Therefore, young people at present should use credit cards reasonably, and should stop using them when the credit card balance is not enough to ensure normal use in the later period.

Do I have to apply for a credit card after receiving a call from the Economic Investigation Bureau asking me to accept the investigation?

Credit card crime, the first trial of the case was seven years, and the second trial was not guilty. After the credit card expired, I got a call from the economic investigation bureau and asked me to accept the investigation. Is it necessary to go? First of all, if you receive a verbal summons from the case-handling organ, you must cooperate with the investigation, otherwise you may be forced to summon. Secondly, if you are really suspected of committing a crime, accepting a verbal summons from the public security organ, actively cooperating with the investigation, and truthfully confessing, it can be considered as surrender in judicial practice.

The credit card received a call from the economic investigation bureau after the deadline, asking me to accept the investigation.

Economic cases are accepted by economic courts. If it is a suspected case, the investigation unit of the public security organ will of course file a case for investigation. What is "large amount"? It is also the standard for filing a case that constitutes a crime. According to the value of public and private property from 3,000 yuan to10,000 yuan, it is considered as "a large amount". Those who use forged credit cards, credit cards fraudulently obtained with false identification, invalid credit cards or credit cards of others for credit card activities with an amount of more than 5,000 yuan but less than 50,000 yuan shall be deemed as "relatively large".

Is it necessary to go?

If your materials are forged or never returned after cashing out, and you think that you have a credit card for illegal possession, then the investigation may be involved. If this is not the case, it should be collected by a third party, but it is also illegal to pretend to be an economic investigation. If you are really looking for you, you must face it positively. Generally, it is just a collection routine commonly used by collection companies after banks outsource it to them. You don't have to be too nervous, but it's wrong to owe money. The most direct impact is that it will affect your personal credit information and your future loans. We should take the initiative to go to the bank to solve this problem.

Manpower is limited, even if the bank reports the case, it will be rejected with a high probability and resolved through consultation. The manpower of economic investigation is very limited, and people are concerned about major cases, cases with great influence and credit card matters, and people will not accept this case at all. This has happened to me. I went to investigate and reported the case. Because the amount is more than 50 thousand, people ignore me.

So much for the introduction of credit card survey.