I owe 3 1000 yuan to CITIC Bank's credit card, and I received a notice from the Public Security Bureau saying that I would report the case if I didn't pay it back in three days. What can I do to avoid

I owe 3 1000 yuan to CITIC Bank's credit card, and I received a notice from the Public Security Bureau saying that I would report the case if I didn't pay it back in three days. What can I do to avoid debt? Will go to prison Hello, the cardholder failed to repay the credit card debt in full and on time for the purpose of illegal possession. The contract dispute between the cardholder and the bank does not constitute a criminal offence, and the cardholder shall bear the corresponding civil liability according to the contract signed with the bank.

When the malicious overdraft limit of a credit card reaches more than 5,000 yuan, the public security organ may file a case. Cardholders should not only bear criminal punishment, but also pay a large fine.

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 three months after being effectively collected by the issuing bank twice, 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 number of overdrafts, unable to return;

"(two) using a false credit certificate to apply for a credit card after overdraft, can not be returned;

"(three) after the overdraft, to conceal, change the contact information and other means to avoid bank collection;

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

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

"(6) Other circumstances in which illegally occupied funds refuse to be returned."

"Malicious overdraft, the amount is more than 50,000 yuan but less than 500,000 yuan, shall be deemed as a' large amount' as stipulated in Article 196 of the Criminal Law; If the amount is more than 500,000 yuan but less than 5 million yuan, it shall be deemed as a' huge amount' as stipulated in Article 196 of the Criminal Law; If the amount is more than 5 million yuan, it should be recognized as' the amount is extremely huge' as stipulated in Article 196 of the Criminal Law. "

"The amount of malicious overdraft refers to the actual overdraft principal amount that has not been returned when the public security organ files a criminal case, excluding the interest, compound interest, late payment fees, handling fees and other expenses charged by the issuing bank. The amount returned or paid shall be regarded as the return of the actual overdraft principal.

"When examining and prosecuting, the procuratorial organ shall examine and determine the amount of malicious overdraft according to the transaction details, classified bills (overdraft bills, repayment bills) and other evidence materials provided by the issuing bank, combined with the excuses, defense opinions and relevant evidence materials put forward by the criminal suspect, the defendant and his defenders; If it is difficult to determine the amount of malicious overdraft, it shall be examined and determined according to evidence materials such as judicial accounting and audit reports. In the course of trial, the people's court shall determine the amount of malicious overdraft on the basis of verifying the above-mentioned evidence materials.

"The relevant certification materials provided by the issuing bank shall have the signature of the bank staff and the official seal of the bank."