SMS from China Merchants Bank: "Your credit card overdraft has been suspected of violating the provisions of Article 196 of the Criminal Law on credit card fraud, please pay RMB 3 198 yuan immediately

SMS from China Merchants Bank: "Your credit card overdraft has been suspected of violating the provisions of Article 196 of the Criminal Law on credit card fraud, please pay RMB 3 198 yuan immediately". 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 debt as soon as possible, the bank naturally scares you to pay it back as soon as possible. In fact, you owe 3 198 yuan, 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 as soon as possible. Even if you can't make a one-time repayment, you can choose the minimum repayment amount or other amounts first, because as long as you show your willingness to repay, banks are reluctant to sue easily. After all, there are costs.

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