交通银行欠款5万多,逾期3个月了怎么办-银行贷款法律援助-法律咨询免费平台-国际律师联盟

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问题	交通银行欠款5万多,逾期3个月了怎么办
释义	律师分析: 欠交通银行信用卡5万3个月没还，恶意透支经催讨不还的，涉嫌构成信用卡诈骗罪有可能面临银行的起诉。【法律依据】: 《中华人民共和国刑法》第一百九十六条恶意透支的认定有三点要素，缺一不可，一是以非法占有为目的，二是逾期不归还，三是经催收后仍不归还的。你归还了，只是经济状况不行，就构不成恶意透支。三点要素，缺一不可，一是以非法占有为目的，二是逾期不归还，三是经催收后仍不归还的。你归还了，只是经济状况不行，就构不成恶意透支。
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