It depends on the attitude of your own credit card to handle the arrears. When you maliciously overdue, you may indeed bear criminal responsibility for it.

whenever we use a credit card, our first concern is the credit card limit. However, for most people, we should pay more attention to our credit card repayment ability. We can regard the use of credit cards as a short-term cash flow function, and at the same time we need to fully evaluate our income level. Never let the malicious overdue behavior of credit cards affect personal credit problems.

your situation may be suspected of credit card fraud.

Strictly speaking, as long as a person's credit card debt exceeds 1, yuan, and this person has long-term malicious overdue behavior, this person may be suspected of credit card fraud. When a person fails to repay his credit card for a long time, the bank will first contact the user actively. If the user still maliciously overdue, he will directly sue the user in the future, and the user may also bear criminal responsibility.

you need to pay back what you owe as much as possible.

the debt of 3, yuan is already a very big concept. I don't know your own financial situation. If you are not officially overdue, you need to contact the bank in advance and apply for repayment through negotiation. If you have overdue behavior, you should try your best to ensure the minimum repayment amount of the credit card, and never affect your personal credit because of overdue behavior.

Credit card fraud is a relatively serious criminal case.

when a user's credit card is overdue for more than half a year, the bank will interpret this behavior as a malicious overdue phenomenon of the user. If you refuse to repay your credit card or even evade paying it, your behavior will be directly suspected of credit card fraud. Credit card fraud will be sentenced to more than 1 years in prison, and for those cases with particularly bad circumstances, the parties may be sentenced to life imprisonment.