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当前恶意透支型的信用卡诈骗案件中,大量存在着持卡人享受最低还款额待遇的现象。但对帐服务不同于欠款催收,对帐单不是一种催收形式,不具有催收的效力。恶意透支数额的认定只能及于发卡银行的催收数额,发卡银行催收数额之外的透支数额必须经过两次催收后超过3个月仍不归还,方可认定为恶意透支数额。持卡人透支后的不足最低还款额的还款,应当从透支本金中扣除。
The current malicious overdraft credit card fraud cases, there is a large number of cardholders enjoy the phenomenon of the minimum repayment. However, the reconciliation service is different from the debt collection. The statement is not a form of collection and does not have the effect of collection. The amount of malicious overdraft can only be determined by the collection amount of the issuing bank. The overdraft amount other than the collection amount of the issuing bank must be returned after more than three months after the collection twice before being deemed as the malicious overdraft amount. After the overdraft cardholder over the minimum payment of repayments, should be deducted from the overdraft principal.