What will happen if you don’t repay the credit card defrauded by the 95533 text message?

That is overdue.

Overdue payment not only has a late payment penalty of 5% for the minimum unpaid portion (minimum 10 yuan), but also a penalty interest on the full amount of the bill (a daily interest rate of 0.05%, the interest will be calculated starting from the day of consumption, and the interest will be recovered on a monthly basis until the principal and interest are paid) until it is paid off), it will also produce a bad credit record in the Credit Reference Center of the People's Bank of China, which will affect the application for credit cards and bank loans.

If the payment is overdue for more than three months or the bank has not paid more than two reminders, the bank will freeze the card and list the card owner as a banned customer (blacklist), and may also sue the cardholder. Master credit card fraud and malicious overdrafts.

Article 196 of the Criminal Law stipulates that anyone who commits credit card fraud under one of the following circumstances and 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 a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years and not more than ten years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

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(2) Using an expired credit card;

(3) Pretending to use another person’s credit card;

(4) Malicious overdraft.

A malicious overdraft refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and still refuses to return the card after being called upon by the card-issuing bank.