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 crime of credit card fraud. The case was sentenced to seven years in prison in the first instance and acquitted in the second instance, 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 the crime of credit card fraud 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 to show your sincerity in not escaping the debt and avoid the civil dispute from turning into a criminal case.

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 sued by banks, but this is a civil economic dispute. If they sue directly to the court, the public security forces will not use it. 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 (smaller) opened the window and ran away through the iron fence. 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. That woman went there. After that, she was taken away by the bank 1 10, a citizen of the jurisdiction. She also asked about the so-called credit card fraud. 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, the debtor is also reminded that after the credit card is overdue, it should be treated 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.

Master Xing also asked me to accept the investigation, and foolishly said that I would bring a change of clothes and be detained on the spot. I agreed with him and asked him which police station to go to. He said he would let me know which one it was when he went to the police station to report the case at night. I called him after work at night, and he said he hadn't left yet. In the next few days, I will call him back every day after work and ask when to report the case. I will turn myself in. After calling for a few days, he won't even answer my phone! This is my personal experience, and I am not saying this to make the indebted public default; I want everyone to work hard to make money with a better attitude and go ashore as soon as possible. Come on, debtor!

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 fraudsters, so it's a waste of national resources to spend time figuring out how big your problem is.

Ha ha ha, it seems that you are afraid to go because you are afraid that you will never come back. But it's normal. I was thinking about this problem the first time I received the so-called economic investigation call. It's actually fake. People from debt collection companies hired by banks are afraid of you under the signboard of economic investigation. I didn't return my credit card because it was stolen. Of course, it's my own carelessness. I already have a card, and the salesman may have a task. He kept asking me to get another one, thinking that it wouldn't affect me anyway, so I agreed, saying that the quota was 20 thousand to 30 thousand, and it would gradually increase in the future. However, when it was delivered to me, I was told that I could only get 5000 yuan. Thinking it was useless, I kept throwing it and it didn't activate. After a few months, I felt unsafe, so I consulted the salesman of that bank about the cancellation. I was told that it had not been activated for three months, so I left it alone. Who knows that two years later, I accidentally found that my credit card debt was 13 thousand. When I checked, I said angrily that the original credit card limit was 12 thousand, and it wasn't that I didn't activate the automatic cancellation for three months. Then I negotiate with the credit card company. From beginning to end, there is only one sentence. I was activated and stolen by others because of poor custody, and I didn't mention the mistakes of their salesmen. If I am told that the limit is 12000 instead of 5000, I should activate this card and use it. If the salesman hadn't told me that automatic cancellation had not been activated for three months, I would have cancelled it long ago. What's even more funny is that the people in the credit card company actually told me that they didn't activate automatic cancellation for three months and suddenly became petrified. This is a fucking lie. Everyone is irresponsible, okay? Activate for two years and automatically log off after three months? I can't cope with this anger. It's hard to control him after a failed war of words. Later, the economic investigation phone appeared, and I'm still not sure if it's true or not. After all, this is the first time I have encountered such a thing. Who knows that the so-called economic investigation on the phone is too outrageous? As soon as I heard it, I knew he didn't understand anything at all. After exposing him, I will play an insulting conversation with him and leave him alone. This debt is not a credit card fraud. Why should I call you after the investigation? If you want to find you, the court will find you. Then the court will inform you of the trial. According to some people, if you are sued by the bank, you have all gone to court, and I have never received a subpoena. I guess this situation is that the address filled in at the time of application is not the current address, so I didn't receive it.

If the economic investigation calls you and asks you to investigate, you can go. What are you worried about? Your current overdue 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 the court, it can respond to the lawsuit normally. It's no big deal, but your credit card is overdue for more than 30 thousand for half a year, and it also adds a lot of interest and liquidated damages. You really need to repay this debt to the bank, although the bank has more interest and liquidated damages on the debt. 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's better to pay in installments as soon as possible, so I advise my father and men to actively negotiate if they are overdue.

Let me tell you something about my experience. My Minsheng card plus the principal of the reserve fund is more than 89,000 yuan, which is overdue for more than half a year. After all kinds of collection methods, including someone pretending to be a police station to call me at last. I believed it then, too. The source said that the police station received help from the bank. Before I left, I carefully called the local police station. People say that it is impossible for the police to call the bank to deal with this kind of thing. I didn't go in the end. A few days ago, the Legal Department of Minsheng Bank came to me for consultation, and the 60 th installment was free of liquidated damages and interest. Minsheng Bank is still good.

Don't go! Let the bank go to court for prosecution! 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!

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!