But you owe 10 thousand yuan on your credit card, and you repay it sincerely, which does not constitute the crime of credit card fraud. The police will usually investigate this matter, but they will not arrest you at all and will not file a case.
Therefore, arresting you is definitely not to scare you. You can call the police after they come, or you can go directly to the card department to ask for handling this matter.
But they usually tell you that they don't care, and they will deal with it with the legal department or other departments, that is, the people who contact you. Then you should talk to him directly. Don't back down. If you are soft-hearted, he will bully you
Generally speaking, public security organs will not intervene in civil disputes. You should communicate with the bank and try to pay back some money. Note that the whole phone call is recorded as evidence. It's not that I don't want to return it. It's just a part of it for the time being. Don't worry, if the police dare to intervene, you can complain directly to the higher authorities.
Overdue repayment refers to the situation that the final repayment period stipulated by the bank is exceeded and the consumption money is not deposited in the designated account in full and on time.
Generally speaking, every bank will charge a certain interest for overdue repayment, which is different from each bank, and is generally five ten thousandths of the interest. However, the value date should be calculated from the date of consumption, not from the day after the last repayment date.
It is suggested that if the total amount is not repaid, the minimum repayment amount can be repaid first, without affecting the credit line. At the same time, there will be a buffer period, so that the bank can know the flow of funds in your account in time and will not freeze the account!
When a credit card (debit card) holder chooses the minimum repayment method or uses a card that exceeds the credit limit approved by the issuing bank, he will no longer enjoy the interest-free repayment period, and will pay overdraft interest calculated at the prescribed interest rate for the unpaid part from the bank bookkeeping date.
Credit cards have two concepts: billing date and repayment date (also known as the last repayment date). Bookkeeping date is the date of transaction settlement in a bookkeeping cycle, and repayment date is a repayment cycle. Because you can't get back in touch with customer service, it doesn't rule out that you misunderstood the customer service staff's explanation or that the customer service staff's statement was unclear or even incorrect. ?
The repayment date is mainly used by banks to judge whether the cardholder has a malicious overdraft tendency and judge the cardholder's economic situation. Therefore, repayment after the last repayment date will inevitably lead to overdue records. Whether this record can be changed from the central bank requires further consultation between you and the issuing bank.