Playing virtual currency owes credit card hundreds of thousands

1. . It's all about cashing out, paying off, borrowing new debt and repaying old debt., Then I earn a little money and pay for it. I used to owe more than 200000 yuan. It took me about three years to pay for it.

2. Credit card fraud crime: refers to the illegal possession for the purpose of violating the credit card management laws and regulations, using the credit card for fraud activities, defrauding a large amount of property. Whoever commits this crime shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and shall also be fined not less than 20000 yuan but not more than 200000 yuan; If the amount is huge or if 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 less than 50000 yuan but not more than 500000 yuan; If the amount is especially huge or if there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment and shall also be fined not less than 50000 yuan but not more than 500000 yuan or be sentenced to confiscation of property.

3. How can your credit card brush so much money? The amount is so high. You should be a rich man. At least you used to be a rich man. Otherwise, we ordinary people can't owe so much money. Pay it back. According to the repayment date, the borrowed money will be returned graally. If you can't borrow money, you can mortgage your house or car or sell it directly. You must pay it back. This is your credit problem, Because if you want to survive in this society, you have to pay back the money. If you don't, you have to face a lawsuit.

4. The failure of credit card application just does not meet the requirements of a bank, and will not affect the credit recognition of other bank's Credit Card Center. It's just best to find out the reasons for the failure, whether the income does not meet the requirements of the application bank, or the information is incomplete, or the credit record is poor. In these instries, banks generally do not approve cards:
entertainment instry: KTV, video game city, Internet bar, bar, beauty salon, dance hall, nightclub, etc
high risk instries: general employees in high-risk instries (such as coal miners, truck drivers, taxi drivers, security, direct selling, pyramid selling, etc.)
freelancers: highly mobile freelancers (e.g. unlicensed / mobile vendors, non fixed income salesmen, agents, small advertising staff, self-employed, McDonald's part-time, etc.)
seafarers, sailors, etc. who are not working locally
organs and units: mainly refers to the military, public security organs and law enforcement organs
Bank blacklist users: as long as they are on the bank blacklist, there is no chance to apply for loans or credit cards
if there is no problem in work, it depends on credit investigation:
the credit investigation here mainly refers to the overe situation. If there are still overe debts, the application for credit card will not be successful
if the credit investigation is overe for less than 7 days, the application will not be affected
the highest success rate is 80% when the credit investigation is overe for less than 30 days, and the amount of card approval is reced by about 10%
the success rate is up to 60% when the credit investigation is overe for 60 days, and the amount of card approval is reced by about 30%
if the credit investigation is overe for 90 days, the success rate is up to 50%, and the amount of card approval is reced by about 50%
if the credit investigation is overe for more than 90 days, the success rate depends on the personality. The amount is at most half of the normal amount
if the credit investigation is overe for more than 6 months, say byebye will not discuss it directly
if water, electricity and mobile phones are overe for more than 3 months, it will also affect the application, but it does not constitute the main factor
if the credit investigation is clean, then look at the integrity investigation:
forged application materials: including forged ID card, real estate certificate, income certificate, car and other supporting materials that need to be submitted
information fraud: incorrect company information, empty phone number, false address, no person found, etc
fill in the true information truthfully. When doing e diligence, the bank will ask for a lot of non application information. Please do not underestimate the IQ of the bank
certificate problems: the ID card has expired, the income certificate has not been sealed
black intermediary imports and forges information< Other rejection factors:
age discrepancy: the minimum age of application stipulated by the bank is 18 years old, and the maximum age of application is 60 years old. If it is beyond the scope, it will be rejected
he is not in the original company, has resigned and applied for a credit card
the applicant's unit / company found no such person
indivial or small business owners, the registered capital is not enough for the application standard
If an applicant applies repeatedly, it is generally stipulated by the bank that if the first application is rejected, the minimum interval for re applying to the same bank is more than 3 months
the application form is incomplete and missing information
the signature of the application form does not match the name of the ID card
these are the main reasons why credit card applications are rejected. Before applying, you can check whether you have touched a red line and make remedies at any time before applying.

5. It's better to be self-defense. Tell the bank that it will pay back the money as soon as possible. It's better to pay it in installments or physical mortgage, and strive for a lighter punishment.

6. If it is Ping An credit, it is recommended that you repay according to the bill. If the bill is overe, please repay as soon as possible according to the repayment time and amount told by the staff. If the repayment is not made on time, the bank has the right to recover the money through legal channels or collection department; It is suggested that you call the customer service hotline 95511-2 for consultation
if you need to consult Ping An Bank credit card business, you can click the link below to select the online customer service icon on the top right corner of the front page credit card or pay attention to the official account of WeChat (paxyk95511). br /> https://b.pingan.com.cn/branch/mkt/bankonline/dist/onlineBankless.html#
response time: August 31, 2020. Please refer to the official website of Ping An Bank for the latest business changes

[Ping An car owner loan] you can borrow a car, up to 500000

https://b.pingan.com.cn/station/activity/loan/qr-carloan/loantrust.html?source=sa0000632&outerSource=bdzdhhr_ zscd&outerid=ou0000250&cid=bdzdhhr_ zscd&downapp_ id=AM001000065

7.

If the subject of the question is repeatedly overe, and the bank has twice collected it but still hasn't returned it, he will be investigated for criminal responsibility and may go to jail

1, will credit card debt go to jail

if you overdraw your credit card maliciously and refuse to repay, you will not only have to pay high interest, but also be imprisoned

malicious overdraft means that the credit card holder overdrafts the bank's debts beyond the specified limit and time, and fails to repay the debts for more than three months after two times of collection by the bank, which violates Article 196 of the criminal law. In case of malicious overdraft, if the cardholder chooses to repay all the overdraft interest after the public security organ files the case and before the people's court pronounces the judgment, he may be given a lighter punishment. If the circumstances are not serious, he may be exempted from punishment

2, the conditions for credit card holders to be investigated for criminal responsibility are as follows:

1, credit card holders overdraw more than 10000 yuan

2, overe for many times

3, in the case that the bank has not paid the card within the time limit, the cardholder still does not pay the card after twice collecting the repayment from the cardholder, which constitutes a crime. In the above cases, the credit card holder will be investigated for criminal responsibility

3, how much credit card debt will go to jail

according to Article 6 of the interpretation on Several Issues concerning the specific application of law in handling criminal cases of impairing the management of credit cards, between 10000 yuan and 100000 yuan, the credit card holder constitutes a criminal act and will be investigated for criminal responsibility by the bank

according to relevant laws, malicious overdraft of more than 80000 yuan is a relatively large amount. According to Article 196 of the criminal law, it may be sentenced to fixed-term imprisonment of less than five years and a fine of between 20000 yuan and 200000 yuan

extended data

if it is a credit card of China Merchants Bank, if it fails to return the minimum repayment of the bill in time before the e repayment date, the overe fine and interest will be charged, and the personal credit will be affected. The overe fine will be charged 5% of the minimum outstanding amount, and the minimum charge will be RMB 10 or USD1. Interest is all consumption in the current period. It will be calculated and collected from the accounting day (generally the second day after consumption), and the daily interest will be 0.05% until it is fully paid off. In order to avoid affecting personal credit, it is recommended to repay on time. If it is not convenient to pay off the bill in full, please pay off at least the part of the minimum amount on time Article 196 of the criminal law of the people's Republic of China Whoever commits credit card fraud under any of the following circumstances, if the amount involved 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 20000 yuan but not more than 200000 yuan; If the amount is huge or if 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 less than 50000 yuan but not more than 500000 yuan; If the amount is especially huge or if there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment and shall also be fined not less than 50000 yuan but not more than 500000 yuan or be sentenced to confiscation of property: (1) using a forged credit card or a credit card obtained by deception with a false proof of identity 2 Using an invalid credit card 3 Using other people's credit card falsely 4 Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the act that the cardholder overdrafts beyond the specified limit or time limit for the purpose of illegal possession, and does not return the overdraft after being collected by the issuing bank. Whoever steals and uses a credit card shall be convicted and punished in accordance with the provisions of Article 264 of this law

8. Attitude is very important. Take the initiative to explain the actual situation to the local Card Department of the issuing bank. Do not evade, otherwise the bank will think you are in malicious default. Even if we can't repay in full, we should try our best to repay part of it and show sincerity
2. In case of credit card debt, a lawsuit can be filed to the court:
a the collection by other collection methods is invalid, and the overdraft principal and interest exceed 1000 yuan
b to master the deposit and other property information of customers in arrears, which needs to be frozen and judged by the court
C those who are sued by the same trade for not paying the debts and need to participate in the settlement together.

9. If you are identified as fraud, you will definitely be in prison. If you owe the bank so much money, the bank will definitely sue the court to get the money back.