Is it true that Industrial Bank's credit card is overdue for evidence collection at home?

It should be true that the Industrial Bank's credit card was overdue and the bank informed it to collect evidence at home. After overdue collection, the bank will collect evidence to determine whether there is malicious overdraft.

Legal basis: Article 6 of the Interpretation of the Supreme People's Procuratorate and the Supreme People's Court on Amending the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management stipulates that if a cardholder exceeds the prescribed limit or overdraws within the prescribed time limit for the purpose of illegal possession, and fails to return it after two effective collections by the issuing bank for more than three months, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.

The purpose of illegal possession should be judged according to the cardholder's credit history, repayment ability and willingness, the application and overdraft of credit cards, the use of overdraft funds, the performance after overdraft, and the reasons for not repaying according to regulations. It is not allowed to identify the purpose of illegal possession just because the cardholder fails to repay the loan according to the regulations.

In any of the following circumstances, it shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196 of the Criminal Law, unless there is evidence to prove that the cardholder does not have the purpose of illegal possession:

(a) knowing that there is no repayment ability and a large amount of overdraft can not be returned;

(2) After applying for a credit card with a false credit certificate, it is overdrawn and cannot be returned;

(3) Escaping after overdraft or changing contact information to avoid bank collection;

(4) evading or transferring funds, concealing property or evading repayment;

(five) the use of overdraft funds for criminal activities;

(six) other illegal possession of funds, refused to return.