What will happen if 3000 doesn't reply to the text message and says it is suspected of credit fraud?

Article 6 of the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management stipulates:

If the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than 3 months after being twice collected by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law. ?

Malicious overdraft, the amount of which is more than 6,543.8+0,000 yuan but less than 6,543.8+0,000 yuan, shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 654.38+10,000 yuan and less than 1 10,000 yuan, it shall be deemed as "huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 6,543.8+0,000 yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law. ?

Article 196th of the Criminal Law of People's Republic of China (PRC) stipulates:

Under any of the following circumstances, it constitutes the crime of credit card fraud, and if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be 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.

Extended data

Types of malicious overdraft of credit cards:

1, frequent overdraft. Cardholders repeatedly withdraw cash at credit card business points close to each other at a very high frequency, and every little makes a mickle, which takes up a lot of cash in the bank in a short time.

2. Multi-card overdraft. The cardholder applied to a number of banks and opened a number of accounts, but the cardholder still overdrawn, resulting in a number of debts and inability to repay.

3. Overdraft in different places. Cardholders take advantage of the current situation that China's communication equipment is underdeveloped, the cash withdrawal information in different places can not be summarized in time, and it is difficult to deliver the "emergency payment stop notice" in time, committing crimes all over the country and overdrawing at will.

4. Collaborate with each other to overdraw. First, cardholders cross each other, chain guarantee, and apply for credit card overdraft in different banks. Second, the cardholder colluded with the staff of special merchants to obtain bank funds by means of false consumption. Third, the cardholder colluded with bank employees inside and outside to use credit card overdraft.

People's Court of Ruzhou City, Henan Province-If the credit card is overdue, you will go to jail.

Baidu Encyclopedia-Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases of Impairment of Credit Card Management

Wen county Public Security Bureau-People's Republic of China (PRC) Criminal Law