Zhongyuan Consumer Finance borrowed 12500 and paid back half of it, and the remaining 6000 was more than 40 days overdue! Will you be prosecuted?

Not for the time being, but if you choose to continue overdue. Generally, if you owe the principal of 5,000 yuan for more than 3 months, you can pursue the criminal responsibility of the crime of credit card fraud. If the amount owed reaches more than 1 10,000 yuan, and it is not paid back for more than 3 months after being collected twice by the issuing bank, it should be regarded as malicious overdraft in criminal law and suspected of credit card fraud. The amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor. Criminal responsibility may not be investigated according to law. Detention in criminal proceedings is a compulsory method for public security organs and people's procuratorates to temporarily deprive the criminal or major suspect of personal freedom in case of legal emergency during the investigation.

1. Henan Zhongyuan Consumer Finance Co., Ltd. (hereinafter referred to as "Zhongyuan Consumer Finance Company") was established at the end of 20 16. It is a national non-bank financial institution approved by China Banking and Insurance Regulatory Commission. It was jointly established by Zhongyuan Bank and Shanghai Yiqian Network Information Technology Co., Ltd. Since 20 17, the products of Zhongyuan Consumer Finance Company cover: Zhongyuan Consumer Finance app, cash withdrawal, elite loan, cash withdrawal and other products. On February 9, 20 18, Henan Banking Regulatory Bureau approved the change of registered capital of Henan Zhongyuan Consumer Finance Co., Ltd. from 500 million yuan to 800 million yuan. 2065438+On September 30, 2009, Henan Banking Insurance Regulatory Bureau approved the registered capital of Henan Zhongyuan Consumer Finance Co., Ltd. to increase to 2 billion yuan, and introduced Huaping Investment as a new shareholder.

2. Henan Zhongyuan Consumer Finance Co., Ltd. was established on 2065438+February 29th, 2006. The legal representative is Li Yulin, and its business scope includes: granting personal consumption loans; Accepting deposits from domestic subsidiaries of shareholders and domestic shareholders; Borrowing from domestic financial institutions; Issuing financial bonds upon approval; Domestic interbank lending; Consulting and agency business related to consumer finance; Acting as an agent to sell insurance products related to consumer loans; Fixed income securities investment business; Other businesses approved by the CBRC. Corporate business, issuing personal consumption loans; Accepting deposits from domestic subsidiaries of shareholders and domestic shareholders; Borrowing from domestic financial institutions; Issuing financial bonds upon approval; Domestic interbank lending; Consulting and agency business related to consumer finance; Acting as an agent to sell insurance products related to consumer loans; Fixed income securities investment business; Other businesses approved by the CBRC.