What should I do if I receive a warning letter from the police about credit card arrears?

The cardholder should return the credit card debt as soon as possible after receiving the warning letter of the credit card crime report from the bank, otherwise the bank will report the case to the public security organ and investigate the crime of credit card fraud and the criminal responsibility of the cardholder.

1. In this case, the cardholder should return the arrears as soon as possible. If you are really unable to repay, you should also communicate with the bank and ask for an extension of repayment time and an appropriate reduction of late payment fees.

2. According to Article 196 of the Criminal Law, the crime of credit card fraud refers to the crime of using credit cards for fraud. For the purpose of illegal possession, credit cards violate the regulations on credit card management and defraud a large amount of property. Credit cards and malicious overdrafts. Credit card fraud is a kind of fraud. The relationship between this crime and fraud is the relationship between special law and general law. In this crime, credit card is a tool of crime, not the object of crime.

Elements The elements of the crime of credit card fraud are as follows:

1. The object of this crime is the credit card management system and the ownership of public and private property.

2. The objective aspect of this crime is that criminals use credit cards to fabricate facts or conceal the truth to defraud public and private property.

3. The subject of this crime is a general subject, and a natural person can be the subject of this crime.

4. The subjective aspect of this crime is intentional and direct intentional. Subjectively, the actor must also have the purpose of illegally possessing public and private property. Indirect intentional and negligent crimes cannot constitute this crime. It should be pointed out that in all kinds of credit card fraud, due to different behavior patterns, the criminal's criminal intention also has its specific content. For example, using forged credit cards or using invalid credit cards to commit fraud. The actor must know subjectively that the credit card is a forged or invalid credit card, otherwise it cannot constitute this crime. In the case of credit card overdraft, we should also analyze the difference between goodwill overdraft and malicious overdraft from the intentional content of the actor. If the actor has the intention of illegally occupying other people's property, it is a malicious overdraft, otherwise it is a goodwill overdraft.