Legal analysis: the repayment order after overdue is stipulated, and most of them take 90 days overdue as the dividing line, which is divided into two repayment orders: 1. If overdue for 90 days, the repayment shall be made in the order of interest receivable first or principal paid first; 2. If the overdue period is more than 90 days, that is, the overdue period is more than 9 1 day, the repayment shall be made in the order of repayment of the principal first, and then the interest or expenses receivable. Therefore, if the overdue time exceeds 90 days, the principal will be deducted first. Yes

Legal basis: In case of any of the following circumstances in Article 196 of the Criminal Law of People's Republic of China (PRC), the cardholder will be imprisoned for the crime of credit card fraud.

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft; It refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.