However, if the cardholder owes a large amount, he refuses to repay the credit card debt. It may be assessed as malicious overdraft by bank risk.
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.
The bank may take a lawsuit and then the court will enforce it. The implementation of the court will be inquired according to law.
First of all, it is a breach of contract not to repay after the credit card is overdrawn. The bank may require the cardholder to repay the principal, overdue interest, late payment fee and over-limit fee. If the bank sues the court and wins, the cardholder will also bear the litigation costs.
Secondly, if the cardholder maliciously overdraws a certain amount for the purpose of illegal possession and fails to pay it back within the time limit, which constitutes the crime of credit card fraud, he should also bear criminal responsibility.
Finally, overdue repayment will leave a bad credit record for cardholders, which will affect the smooth progress of cardholders' future loans and other behaviors.
Extended data:
The man Lin overdrawn his credit card, blacked out the bank's dunning phone number, changed his phone number and lost contact, and was finally wanted by the police online.
Yesterday, the reporter learned from the Chating police station that two years after losing contact, Lin decided to surrender himself because he could not bear the life of escape. At present, Lin has been criminally detained by the police.
201April 16, Chating Police Station received an alarm from the bank, saying that Lin, a customer of the bank, had an overdraft of about 12000 yuan and failed to repay the loan within the agreed time limit.
The bank has repeatedly asked for repayment through telephone collection and door-to-door collection, but Lin has blacked out the bank's dunning phone.
It is understood that before the bank called the police, Lin earned more than 2,000 yuan in interest due to overdraft credit cards, including late fees. * * * owed to the bank 1.45 million yuan.
The bank determined that Lin's behavior was a malicious overdraft and reported it to the police. After investigation, the police filed a case against Lin for the crime of credit card fraud, and on April 20, 20 12, Lin was wanted online.
After hiding in Tibet for more than two years, Lin really couldn't stand this kind of day and returned to Fuqing to surrender himself. At present, he has been criminally detained by Taijiang Public Security Bureau.
Lin said that he found it convenient to use a credit card. Unexpectedly, on the repayment date, he found that there was still a lot of money left unpaid. He only pays a little at a time. Later, he owed the bank about 12000 yuan several times. He can't repay his debts in one lump sum, and he is very annoyed at the constant demand from the bank.
Lin said that in order to avoid bank collection, he blacklisted the bank phone and refused to answer the bank phone. Later, he changed his contact information and address, resigned, and dared not contact relatives and friends, which led to the bank not finding him. Finally, he was wanted by the police online.
China News Network-overdrawn credit card 1.2 million, lost contact and failed to pay back the money, and was wanted online for two years.