What should I do if I receive a complaint letter from Ping An Bank?

Legal analysis: After receiving the complaint letter from Ping An Bank, you can mediate with the bank first.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and fined not less than 20,000 yuan but not more than 200,000 yuan, or if there are other serious circumstances, it shall be sentenced to fixed-term imprisonment of not less than five years but not more than five years and fined not less than 50,000 yuan but not more than 500,000 yuan. If the amount is particularly huge or there are other particularly serious circumstances, Sentenced to fixed-term imprisonment of not less than+years or life imprisonment, and concurrently fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property: (1) using forged credit cards or (2) using invalid credit cards; (3) fraudulently using another person's credit card; (4) malicious overdraft.