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女子信用卡刷“上瘾”透支300余万 因涉嫌诈骗被捕

2017-09-25 09:16:54   中国青年网

云南网讯 玉溪一美容院老板刘某,因投资餐馆、商铺失败,在明知自己没有还款能力的情况下,通过刷卡消费和套现方式使用信用卡。不仅如此,她还借用他人信用卡使用、借用他人身份信息办理信用卡使用,且使用后拒不归还欠款。近日,因使用信用卡大额套现、恶意透支,造成300余万元透支款无法归还,刘某涉嫌信用卡诈骗罪,被玉溪警方移送检察院审查起诉。

崩塌

2009年,在红塔区朱槿路经营一家美容店的刘某到工商银行办理了第一张信用卡。随后的两年里,刘某先后通过柜台办理、网上申办等方式申领了4张工商银行信用卡。为了尽量提升信用额度,刘某将本人名下所有资产的证件复印件提供给银行,顺利拿到总额100万元的信用额度,并在民生银行等另外6家银行申领了信用卡。

起初,刘某使用信用卡后均能正常还款。转折出现在2013年末,由于投资餐馆、商铺等项目均告失败,加之刘某自己刷卡大额消费较为频繁,刘某的偿还能力越来越弱。到2015年6月,刘某使用的信用卡透支金额已高达200余万元,此时的刘某已没有偿还能力了。

报案

刘某使用信用卡造成逾期后,银行工作人员一方面对刘某办理信用卡时提供的资产进行核查,发现其名下资产均已被刘某处置;另一方面通过上门、电话、短信、系统语音提示等方式对刘某进行多次催收,但刘某均未还款。

随着催收次数的增加,刘某开始不接电话、不回短信回避催收,甚至离开玉溪到外地居住,却不按办理信用卡时与银行的约定到银行备案。在多次催收未果后,已无法联系到刘某的工商银行工作人员向警方报案。

抓获

刘某在明知自己没有还款能力的情况下,通过刷卡消费和套现方式使用信用卡,造成透支款无法归还,在银行多次催收后仍拒不还款,且设法逃避银行催收,其行为已构成法律意义上的恶意透支,涉嫌信用卡诈骗罪。2017年3月,刘某在保山市隆阳区被抓获。

经查,刘某除使用自己的信用卡恶意透支外,还借用他人信用卡使用、借用他人身份信息办理信用卡由自己使用,且使用后拒不归还欠款,造成10人共40张信用卡不同程度逾期,逾期金额达100余万元,损害了他人征信的同时,也严重损害了银行金融管理秩序,造成了巨额损失。

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