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Chen Kun apply for credit card users FigureOpen bar phrase: "pay by credit card, overdraft thousands are afraid," spend tomorrow's money to enjoy in today's consumption concept behind "hi brush" created a growing number of "card slaves." But since the Supreme People's Court, Supreme People's Procuratorate jointly issued the latest judicial interpretation of "malicious overdraft" is a credit card fraud,http://store.shopping.yahoo.co.jp/ebest-dvd/0000000945555.html, the former "to keep card card" tricks no longer viable, "card slaves" on the brink of their capital chain rupture: also too long time of payment, the bank kept dunning; not in the preceding paragraph, from jail the day is not far away, "card slave" who this time really anxious.
Recently, the End of the World Chongqing friends "G twelve Brother G" Post said, credit card spending and overdraft let him naked from month to debt, total credit card overdraft of up to 120,000 per month to repay more than 10,000 yuan, which makes monthly income only 5,000 yuan he unsustainable. In that "malicious overdraft" is a crime of credit card fraud after,http://store.shopping.yahoo.co.jp/spark-inc/bike-55w-h4-4.html, "G twelve Brother G" strange fast jail. His lament immediately caused a number of "card slaves" resonance.
Fear of being laughed afraid to commit suicide in jail
Last December 26, an article appeared in Chongqing horizon "after the latest two high judicial interpretation of my soon to be sent to prison," the post, the poster "G twelve Brother G" exposes "card slaves" miserable life "to true into how to do? "worried parents hit, he can not say, do not want to borrow money with friends, fear of being a joke. He "sleep well,barbour paris, tea do not think, Rice did not want," and even thought of suicide, so the Internet posting asking predicament of the road, want to know whether they considered fraud, would jail?
With 10 card "to keep card card"
Yesterday, the reporter found the poster Chen Kun (a pseudonym), who lives in Daping a monthly rent of 300 yuan rented room. He told reporters that his 30-year-old, in 2005,piumini woolrich, a city listed companies engaged in sales, he organized the first credit card, the amount is only 3,000 yuan. There are card, originally paycheck to paycheck Chen Kun spending is wasteful. $ 3000 threshold is not soon enough, Chen Kun will be in the number of bank credit cards of 10, amounting to 10,000 or 20,000. To repayment, he used one of them will not be finished card overdraft, cash from POS merchant that can remove 1 million, also for other cards, overdraft before the finished card and can be used to obtain cash on such "to keep card card", has been his credit rating is good.
The new regulation is not a paragraph from the
"Stock investment losses of 40,000, playing cards lost 50,doudoune moncler pas cher,000, by the end of 2008 to buy 30,000 overdraft," Chen Kun, said in 2008 in their own real estate, stocks investment a vicious circle, each card is transparent over a total of almost 120000. Last December 15, the Supreme People's Procuratorate jointly issued on the "malicious overdraft" after the latest judicial interpretation belong to credit card fraud, businesses no longer use POS machines and other methods of cash, to repay his monthly minimum 12 000, but their monthly income is only 5,000 yuan.
Chen Kun,nike air max pas cher, due to previous good credit, banks do not currently have a reminder to him, if the good work,http://www.tcgjjx.net/home.php?mod=space&uid=25382, about two or three years can also still on, but the policies have come too fast, he did not have time to deal with, and banks are too strong , If they go to jail, his life would be finished. So he went to the bank with proof of income unsecured credit loans, hoping to ride out the storm, but because of high debt failed.
This series of articles written by the reporter Liu Min intern Wrap
Bleeding head against the wall to reflect
Today, he previously smoked Yuxi into five yuan a pack of cigarettes, and now even the taxi had to go public can not bear to sit 800 yuan in January of rental housing in January had been replaced by 300 yuan a small single room. "A year did not buy clothes,http://www.bcm.co.jp," about your living situation, Chen Kun and shook his head. Every night was agitated sleep well, think of ways to stop smoking Internet. But "lonely helpless despair sank pain" Let Chen Kun feeling quickly stifled. December 28, 2009 morning, Chen Kun went from Daping the Yangtze River Bridge, "ever seen someone jump the bridge suicide, always felt there were no big deal," Now when suffering comes to himself, when there is little or touch. After the turn of three hours, Chen Kun home to drink alone, he burst into tears, difficult to control hard to go head to hit the wall, blood let him sober up. Chen Kun said that it intends to save points, after also finished with three years in arrears, put the cards are sold, leaving only a minimum amount.
"Card slaves" Sound
Brush out sooner or later have to repay
"Hazy chz": brush out sooner or later have to repay my credit card debt is owed five banks totaling 60,000, have not been two months, and now every day, received a telephone reminder, and also unemployed, no money also, now is the day to day.
"Yo Miss": I did not work, a new job next month to settle down. But two years I owe the bank more than 8000 yuan, which for me is a huge sum of money, because I have no income, even if the work the wages are less than $ 2000, I was in Tianjin, Tianjin low wages. Now every day is annoying phone bank, but I have no money, I have a boyfriend too busy, he is unable to help themselves.
"Pretty melon Wazi": I just graduated had never been seen the whole of the 15,000 pending, sweat! The last is not live frugally, for a whole year to pay off friends. Touches now develop a habit live frugally, spend lots of money to buy a lesson.
"Be a good doctor": Banks will try to beat your family's phone, made quickly, eventually home collection, or at least five or six people. See you eat will be hard to see that you have no real ability to repay, and anything you can negotiate how to solve. Of course, you do not eat soft and hard, then over time they will be reported to the police. Advise no card or p-trap are not deep enough people who quickly withdraw it.
Lawyers say
We will not pay off to jail before filing
Wang Hongyan law firm lawyers said, the parties Chen Kun this case, if the two collections by the issuing bank refuses to repay more than three months, it is malicious overdraft. According to regulations, overdraft 100,000 to 1 million yuan, will be sentenced to five years imprisonment, impose a 50,000 yuan more than 500,000 yuan. Malicious overdraft should be held criminally responsible,canada goose homme, but the public security organs before the full repayment of overdraft interest rates, the circumstances are obviously minor,http://store.shopping.yahoo.co.jp/ebest-dvd/0000000557600.html, according to the law can not be held criminally responsible. After the public security organs before the People's Court declared full repayment of overdraft interest rates,http://www.postyourflasher.com, can be given a lighter punishment, the circumstances are minor, can be exempted from punishment.
"Illegal possession" is the distinction between "malicious overdraft" and a "good overdraft" major boundaries. "Explain" clearly the following scenario can be identified as "illegal possession for the purpose": knowing that there is no ability to repay a large amount of overdraft can not be returned; profligate overdraft funds, can not be returned; go into hiding after the overdraft, change contact details, bank escape the collection; withdrawing or transferring funds or hiding property to evade repayment; the use of overdraft funds for criminal activities; other acts of illegal possession of funds,http://store.shopping.yahoo.co.jp/topism/n-tops-34-topism.html, refuses to return. Lawyer Wang said that as long as the rational consumer credit card holders, according to their financial and material resources, credit card income, brush after a timely return,http://store.shopping.yahoo.co.jp/waiwai/blx-5600-1jf.html, generally do not form a large debt.
News Background
December 15, 2009, the Supreme People's Procuratorate jointly issued "on the credit card management hinder criminal cases Legal Interpretation of Several Issues" (hereinafter referred to as "interpretation"), according to "explain" the cardholder illegal possession for the purpose, exceeding the prescribed limit or time limit overdraft, and two collections by the issuing bank refuses to repay more than three months, it should be identified as "malicious overdraft" in accordance with the "People's Republic of China Criminal Law" one hundred and ninety sixth It stipulates that "malicious overdraft" is a crime of credit card fraud. In accordance with the "interpretation" of Article VII, merchants violation of state regulations, the use of point of sale terminal equipment (POS machines) and other methods, credit card holders direct cash payments to cash, you can be convicted and punished the crime of illegal business.
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