Legal analysis: Yes, you can change your name to the police station without going through the bank. However, after changing the name, you need to contact the bank, provide the latest documents, and change the name left in the bank. In addition, pay off the arrears as soon as possible, and changing the name will not affect the repayment.

Legal basis: Article 6 of the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management should be regarded 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, a large number of overdrafts cannot be returned;

(two) the overdraft funds have been squandered and cannot be returned;

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

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

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

(six) other illegal possession of funds and refused to return.