At home, Ma Bao must keep a good attitude when he owes a loan, not be satisfied with his life, and repay the loan on time. It is of course best if the bank agrees to repay the loan by installments, but if the bank does not agree, it is recommended to pay back the money as soon as possible. If the amount owed reaches more than 10,000, and it is not paid back for more than 3 months after being collected twice by the issuing bank, it should be considered as malicious overdraft in criminal law and suspected of credit card fraud.

First of all, Ma Bao's family owed a loan.

If the user is a treasure mother and owes a loan of 200,000 yuan, he must maintain his own mentality and must not be knocked down by life. You can ask for help from people around you or your family, work hard and pay back slowly, and don't give up on yourself. We should believe that we are not the most unlucky people in the world. Everyone has their own difficulties and grievances, and it is not just users who are under great pressure. Come on, believe you can, be strong when you meet anything, and there are many people around you who love users. Users and their children must not give up easily.

Second, the lending platform.

There are many loan platforms in the market, and most of the loan products launched by general banks and consumer finance companies have credit information, such as CCB fast loan, China Merchants Bank lightning loan, Zhaolian good loan, online merchant bank micro-loan and so on. These products not only need to check personal credit status when applying, but also loan records will be recorded in personal credit information. In addition, products that banks and consumer finance companies cooperate with their user platforms will also receive credit information. For example, JD.COM Gold Bar will upload personal loan records through Xi 'an Bank, and Gome will also upload personal overdue records through commercial banks.

To sum up, malicious overdraft should be investigated for criminal responsibility. However, after the public security organ files a case and before the people's court makes a judgment, it can be given a lighter punishment if all overdraft interest has been repaid. If the circumstances are minor, punishment may be exempted. If the amount of malicious overdraft is large, all overdraft interest has been repaid before the public security organ files the case. If the circumstances are obviously minor, criminal responsibility may not be investigated according to law.