Legal analysis: credit card debt reaches 1000 yuan or more, and it has not been repaid after repeated collection by the bank, which constitutes the crime of credit card fraud. Banks can report the case to the public security organs, and the public security organs will file a case to investigate the criminal responsibility of debtors and collect debts at the same time.

Legal Basis: Interpretation of Several Issues Concerning the Specific Application of Law in Handling Criminal Cases of Impairment of Credit Card Management Article 6 If a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than three months after being repeatedly urged by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law. In any of the following circumstances, it shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196 of the Criminal Law: (1) knowing that there is no repayment ability and the overdraft amount is too large to be returned;

(two) squandering overdraft funds, unable to return;

(3) Escaping after overdraft, changing contact information and avoiding bank collection;

(4) evading or transferring funds, concealing property or evading repayment;

(five) the use of overdraft funds for illegal and criminal activities;