What should I do if I receive the notification message?

What should I do if I receive the notification message?

Legal analysis:

First of all, banks are only financial service institutions and will not issue so-called "filing notices". If your credit card is overdue for a long time, the bank will indeed report that you are suspected of credit card fraud, but it will not send you the phone numbers of the police and lawyers handling the case.

The court will not send the defendant a so-called notice of filing a case or a warning letter, let alone send you a text message. If you are really sued, the materials you receive must be paper materials signed and sealed by the court, such as court summons.

Therefore, the "filing notice" you received is a "trick" used by third-party collection agencies. However, if you owe a credit card, the bank must answer the call to avoid being labeled as malicious overdraft. Secondly, if you really can't finish it at once, you should also pay a little every month. It is best to pay the minimum repayment amount to show the willingness to repay and avoid being suspected of credit card fraud.

Legal basis:

Article 7 of the Supreme People's Court's Interpretation on Several Issues Concerning the Specific Application of Law in the Trial of Fraud Cases stipulates that: According to Article 14 of the Decision, credit card fraud is committed if the amount is large.

If the perpetrator commits the acts specified in items (1), (2) and (3) of the first paragraph of Article 14 of the Decision, the amount of fraud is more than 5,000 yuan, which is a "large amount"; If the amount of fraud is more than 50,000 yuan, it is a "huge amount"; If the amount of fraud is more than 200,000 yuan, it belongs to "the amount is extremely huge".

"Malicious overdraft" refers to the behavior that the cardholder evades tracing for the purpose of illegal possession, or knows that he is unable to repay, the overdraft amount greatly exceeds the amount allowed by the credit card, or fails to return it within 3 months from the date of receiving the dunning notice from the issuing bank.