Does the malicious overdraft of credit card affect children?

Legal analysis: generally only affects individuals. The consequences of malicious overdraft of credit card are: 1, credit card late payment fee. The so-called credit card late payment fee refers to the fee that the cardholder should pay to the issuing bank according to the regulations when the repayment date (inclusive) is overdue or the repayment amount is lower than the minimum repayment amount. 2. Overdue interest. After a user overdraws with a credit card, there will generally be an interest-free repayment period ranging from more than 20 days to more than 50 days, that is, as long as the cardholder fails to pay off all the overdraft fees within the prescribed time limit, all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18%. 3. Bad credit record. Credit card users' overdue repayment will be recorded in bad credit records, and the basic database of personal credit information has been networked nationwide. As long as individual residents have handled loan business in banks, applied for credit cards, or provided guarantees for others, credit reports can be found in any domestic commercial bank. 4. facing criminal proceedings. If the user overdraws for 2 months and fails to repay, the bank will call to remind the user to repay. If the repayment is not made, the bank will ask the lawyer to send a lawyer's letter to the user. If the repayment is not made, the bank will report the case, which is suspected of constituting the crime of credit card fraud.

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; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.