欠银行40万还不上怎么办-法律综合法律援助-法律咨询免费平台-国际律师联盟

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问题	欠银行40万还不上怎么办
释义	法律分析：欠银行信用卡40万还不了属于恶意拖欠的，是会被处以刑事责任进行处罚的。法律依据：《关于办理妨害信用卡管理刑事案件具体应用法律若干问题的解释》第六条持卡人以非法占有为目的,超过规定限额或者规定期限透支，经发卡银行两次有效催收后超过三个月仍不归还的，应当认定为刑法第一百九十六条规定的“恶意透支”。
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