If a credit card is overdue for three months and has not been repaid, the consequences will depend on the specific circumstances: \x0d\ 1. If the credit card debt is more than 10,000 yuan and has been collected twice by the card-issuing bank. If the money is not returned after more than 3 months, it shall be deemed as a "malicious overdraft" stipulated in Article 196 of the Criminal Law, which shall constitute the crime of credit card fraud and shall bear criminal liability. \x0d\　2. If it does not fall into the above circumstances, you should bear civil liability, including repayment of the principal of the debt, overdue interest, etc., and you will also have a bad credit record. \x0d\ "Criminal Law" \x0d\ A fine of not less than 10,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances If the circumstances are serious, the person shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have property confiscated: Credit card; (2) Using an invalid credit card; (3) Pretending to use another person's credit card; (4) Malicious overdraft. \x0d\ The so-called malicious overdraft in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and still refuses to return the card after being called upon by the card-issuing bank. \x0d\ "Interpretations of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases Obstructing the Management of Credit Cards" \x0d\ Article 6 The cardholder exceeds the prescribed limit or overdraws within the prescribed period for the purpose of illegal possession, and If the card is not returned for more than three months after being called upon twice by the issuing bank, it shall be deemed a "malicious overdraft" as stipulated in Article 196 of the Criminal Law. \x0d\ Any of the following circumstances shall be deemed as "illegal possession for the purpose" as stipulated in the second paragraph of Article 196 of the Criminal Law: \x0d\ (1) A large overdraft, knowing that one has no ability to repay, and unable to Returned; \x0d\ (2) Wanton squandering of overdraft funds that cannot be returned; \x0d\ (3) Escape, change contact information, and avoid bank collection after overdraft; \x0d\ (4) Escape, transfer funds, and conceal Property and evading repayment;\x0d\　(5) Using overdraft funds to carry out illegal and criminal activities;\x0d\　(6) Other behaviors of illegally possessing funds and refusing to return them. \x0d\　A malicious overdraft, if the amount is more than 10,000 yuan but less than 100,000 yuan, shall be deemed as a "large amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 100,000 yuan but less than 1 million yuan, it shall be It shall be determined as a "huge amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 1 million yuan, it shall be deemed as an "especially huge amount" as stipulated in Article 196 of the Criminal Law. \x0d\　The amount of malicious overdraft refers to the amount that the cardholder refuses to return or the amount that has not yet been returned under the conditions specified in the first paragraph. Excludes compound interest, late fees, handling fees and other fees charged by the card-issuing bank.