Legal analysis: the responsibility of overdue credit card depends on the specific amount you owe and the overdue time: the crime of credit card fraud generally means that you owe more than 10,000 yuan, and you still don't pay it back for more than 3 months after being urged twice by the issuing bank, which constitutes a crime and bears criminal responsibility and civil repayment responsibility. If your situation does not meet the above requirements, you have civil liability to repay the arrears.

Legal basis: Article 54 of the Provisions of the Supreme People's Procuratorate and the Ministry of Public Security on the Standards for Public Security Organs to Jurisdiction over Criminal Cases, if credit card fraud is suspected of one of the following circumstances, it should be filed for prosecution: (1) using forged credit cards, or using credit cards fraudulently obtained with false identification, or using invalid credit cards, or fraudulently using other people's credit cards for fraudulent activities, with an amount of more than 5,000 yuan; (2) Malicious overdraft, the amount of which is more than 1 10,000 yuan. The term "malicious overdraft" as mentioned in this article refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and has not returned it for more than three months after being repeatedly urged by the issuing bank. Malicious overdraft, the amount of which is more than 1 10,000 yuan but less than110,000 yuan, has been fully repaid before the public security organ files a case. If the circumstances are obviously minor, it shall be dealt with according to law.