Received a prosecution message from Ping An Bank.

Legal analysis: it may be that the credit card is overdue, and remedial measures are suggested:

1, the cardholder shall pay off the arrears in time;

2. If the credit card repayment is overdue due to bank reasons, or other non-malicious behaviors of defaulting on credit card repayment, the cardholder may apply to the bank for personal objection handling and elimination;

3. Remind the cardholder that if bad credit has been generated, don't think about canceling the card.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and 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 particularly 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 his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft.