No, it is a breach of contract not to repay after the credit card is overdrawn. The bank may require the cardholder to repay the principal, overdue interest, late payment fee and over-limit fee.

If the bank sues the court and wins, the cardholder will also bear the litigation costs. Secondly, if the cardholder maliciously overdraws a certain amount for the purpose of illegal possession and fails to pay it back within the time limit, which constitutes the crime of credit card fraud, he should also bear criminal responsibility. (overdue for more than 50,000 yuan, collected twice by the issuing bank and still not returned for more than 3 months, suspected of credit card fraud.