Under what circumstances will the bank ask a lawyer to collect payment? 1. If the cardholder exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possess

Under what circumstances will the bank ask a lawyer to collect payment? 1. If the cardholder exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possession, and fails to return the card for more than three months after being called upon twice by the issuing bank, the bank will ask a lawyer to collect the money. \According to the "Interpretations of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Obstructing the Management of Credit Cards" (Fa Shi [2009] No. 19): \Article 6 The cardholder exceeds the prescribed limit for the purpose of illegal possession. Or if the card is overdrafted within a specified period and is still not returned for more than 3 months after being called upon twice by the card-issuing bank, it shall be deemed as a "malicious overdraft". "Malicious overdraft" stipulated in Article 196 of the Criminal Law. If the overdraft amount is more than 10,000 yuan but less than 100,000 yuan, it shall be deemed as a "large amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 100,000 yuan but less than 1 million yuan, it shall be deemed as "large amount" as provided in Article 196 of the Criminal Law; The "huge amount" specified in Article 196. "If the amount exceeds one million yuan, it shall be deemed as an "especially huge amount" as stipulated in Article 196 of the Criminal Law.\ Malicious overdraft refers to the amount of malicious overdraft that the cardholder refuses to return or that meets the conditions specified in paragraph 1 and has not yet returned it The amount does not include compound interest, late payment fees, handling fees and other fees charged by the card-issuing bank. 3. Article 196 of the "Criminal Law" Credit card fraud activities involving any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years Or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount of fraud 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 10 years, and shall also be fined not more than 500,000 yuan; if the amount is particularly huge or there is any For other particularly serious circumstances, the offender 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 have property confiscated: \x0d \(b) Using a canceled credit card; \x0d\(c) Pretending to use another person’s credit card; \x0d\(iv) Malicious overdraft.