Is it true that you owe Guangzhou Bank a credit card 1 10,000 to send a message to bring law enforcement officers to your door?

This is usually true. Many banks and institutions don't come to serve, but it doesn't mean they don't come. They can still learn about the debtor's household registration, including visiting the village Committee. But at the same time, there are also rules for taking evidence at home, such as not taking evidence by violent means.

Credit card overdue will leave a credit stain on the credit report and accumulate with the number of overdue days. However, the good news is that users can negotiate repayment applications with banks and discuss personalized repayment plans.

Judging from the repayment negotiated by the bank, 12, there are more 24 installments and less 60 installments. If users want to extend the repayment period, they should provide sufficient evidence, be more patient and communicate repeatedly during the negotiation.

Generally speaking, overdue credit cards may come to your door, so it is recommended to deal with them as soon as possible. The longer the time, the greater the impact. Moreover, it is a good solution to contact the bank actively and negotiate installment repayment, which can effectively alleviate the repayment pressure of users.

How to deal with malicious overdraft of credit card? Article 196th of the Criminal Law of People's Republic of China (PRC) has one of the following circumstances, which is the crime of credit card fraud.

If the amount is relatively large, he 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; 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 five years but not more than ten years.

He shall be sentenced to fixed-term imprisonment of not less than 0/0 year or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or his property shall be confiscated: 1. Use forged credit cards, or use credit cards obtained by means of false identification, invalid credit cards, fraudulent use of other people's credit cards or 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.

Malicious function 1. If the overdraft limit is exceeded, whether it is overdrawn depends on whether the net balance of the credit card account exceeds the limit. 2. The overdraft principal and interest are not returned within the prescribed time limit and continue to be overdrawn. 3. The overdraft exceeds the limit or time limit, and the authorization of the issuing bank is not obtained before the overdraft, including evading authorization, forging authorization, fraudulently using authorization, etc. 4. Overdraft subjectively has the intention of illegally occupying the card issuing funds.

Behavior pattern Malicious overdraft includes two basic behavior patterns: one is excessive overdraft, that is, exceeding the overdraft limit stipulated in the credit card charter or the overdraft limit allowed by the issuing bank. The second is overdue overdraft, that is, the principal and interest are not returned within the specified time. Generally speaking, malicious overdraft of credit cards will leave a bad credit record in the issuing bank, which will affect the personal credit of cardholders.