The credit card owes more than 4 thousand, about three months. Yesterday, you sent me a message saying that my materials had been put on file for review by the Public Security Bureau. Is it true?/You don't say. It may be true, or it may be a short message sent by a bank outsourcing collection company.

1. If it is a small overdue record, it may be restricted by the bank in future mortgage, car loan and personal loan.

2. If the amount involved is large, it may violate the law:

If the overdraft amount of a bank credit card holder reaches 5,000 yuan (excluding interest) and has not been paid back for three months (counting from the value date), it is suspected of credit card fraud after repeated reminders from the bank.

If the cardholder fails to repay within half a month after receiving the notice from the public security organ, the public security organ will deal with him on suspicion of credit card fraud.