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李某办理了一张信用卡,多年来一直透支消费,共计透支48.8万余元且拒不归还。最近,岑溪市人民法院以犯信用卡诈骗罪,依法判处李某有期徒刑4年,并处罚金10万元。2011年11月1日,李某以自家住房和小轿车为担保,在岑溪市某银行办理了一张白金级的大额度信用卡。此后,李某多次使用该信用卡到岑溪市某家电公司、某副食商店等多处刷卡套取现金。至2012年年底,李某在上述地点共套取现金50万余元。套现之后,李某用到手的现金投资水产养殖。考虑到养殖行业周期长、收益慢,在还款期限届满前,李某特地向发卡行申请了分期付款,并履行了部分还款义务。从2013年起,李某没有再偿还信用卡
Lee handled a credit card, spending overdrafts over the years, a total of over 488,000 yuan overdraft and refused to return. Recently, Cenxi People’s Court for making credit card fraud, according to the law sentenced Lee to 4 years imprisonment and fined 100,000 yuan. November 1, 2011, Lee to own homes and cars as a guarantee, a bank in Cenxi handled a large amount of platinum-level credit cards. Since then, Lee repeatedly use the credit card to Cenxi City, a household electrical appliance company, a non-staple food store and other credit card cash. By the end of 2012, Lee had collected cash of more than 500,000 yuan at the above locations. After the cash, Lee spent the hands of cash investment aquaculture. Taking into account the long-term aquaculture industry, slow revenue, before the expiration of the repayment period, Lee specifically to the issuing bank to apply for installments, and to fulfill some of the repayment obligations. Since 2013, Lee has not repay credit cards