If not, will Yang Xiaoba be prosecuted?

"Generally speaking, it is very dangerous for a sheep to be overdue for more than half a year, and it is very likely to be sued. The following three items are the negative consequences after overdue:

1. After the Yang Xiao expires, the account will be locked and cannot be used again. The customer can only perform the repayment function and cannot use it again after repayment. This is not only a hard requirement for Yang Xiao, but also for all lending platforms. Customers must not be overdue.

2. After Yang's overdue behavior appears, he will receive an overdue reminder message first, and will receive a reminder call if he uses it without repayment. This is just a kind reminder to the user that he needs to repay. Although Yang can't go to collect credit, it doesn't mean he can't repay.

3. If the user fails to repay the loan for a long time, he will be notified to the contact person and the address book will be exploded. If the address book is seriously overdue, it will definitely bring some negative effects to users' work and life.

legal ground

Article 196 Whoever commits credit card fraud under any of the following circumstances, if the amount is relatively large, 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) fraudulently using 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.