Both objectively cause overdrafts, but the perpetrators of good-faith overdrafts have the subjective intention to use them first and pay back the overdrafts and interest at that time, while the perpetrators of malicious overdrafts overdraft are guilty of illegal fund-raising and will repay the overdrafts. They take it for themselves, do not want to repay it or are unable to repay it, and resort to absconding to avoid debt. According to the provisions of the Criminal Procedure Law, if a credit card is used to defraud the victim, the victim can collect evidence related to the fraud, such as transfer records, consumption records, etc.; and then report the case to the public security agency, allowing the public security agency to intervene in the investigation and hold the fraudster criminally responsible. I hope the above content can be helpful to you. If you have other questions, you can click the button below for consultation, or go online to consult a professional lawyer. Legal objectivity: Article 36 of the Criminal Law: If the victim suffers economic losses due to criminal acts, in addition to being given criminal penalties in accordance with the law, the criminals shall also be sentenced to compensate for the economic losses according to the circumstances. If a criminal who bears civil liability for compensation is also sentenced to a fine and his property is insufficient to pay the full amount, or if his property is sentenced to confiscation, he shall first bear civil liability for compensation to the victim.