Legal analysis: If you owe more than 6,000 on your credit card, you may be sued. If a bank files a civil lawsuit in court, the court should decide whether to accept it within 7 days from the date of receiving the litigation materials. Credit card arrears fall under the court's filing standards for civil cases. As long as the money is owed, the bank may sue. This is at the bank's discretion; as long as the conditions for prosecution are met, the court will file the case. Standards for filing criminal cases of credit card debt owed by the public security organs. If a credit card holder overdrafts beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and still fails to return the money after being called by the card-issuing bank, it is a malicious overdraft behavior, and the amount is more than 5,000 yuan. , constituting the crime of credit card fraud.

Legal basis: "Interpretation of the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases Obstructing the Management of Credit Cards" Article 6 The cardholder exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possession, and If the card is not returned for more than three months after being called upon twice by the issuing bank, it shall be deemed a "malicious overdraft" as stipulated in Article 196 of the Criminal Law. If any of the following circumstances occurs, it shall be deemed as "illegal possession for the purpose" as stipulated in the second paragraph of Article 196 of the Criminal Law: (1) A large amount of overdraft, knowing that there is no ability to repay, cannot be returned; (2) Wantlessly squandering overdrafted funds that cannot be returned; (3) escaping after overdrafting, changing contact information, and evading bank collection; (4) fleeing and transferring funds, hiding property, and evading repayment; (5) using overdrafted funds to conduct Illegal and criminal activities; (6) Other behaviors of illegally possessing funds and refusing to return them. Malicious overdraft, if the amount is more than 10,000 yuan but less than 100,000 yuan, shall be deemed as a "relatively large amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 100,000 yuan but less than 1 million yuan, it shall be deemed as a "large amount" under the Criminal Law. "Huge amount" as stipulated in Article 196; if the amount is more than 1 million yuan, it shall be deemed as "especially huge amount" as stipulated in Article 196 of the Criminal Law. The amount of malicious overdraft refers to the amount that the cardholder refuses to return or the amount that has not yet been returned under the conditions specified in the first paragraph. Excludes compound interest, late fees, handling fees and other fees charged by the card-issuing bank. Malicious overdrafts should be investigated for criminal liability, but if all the overdrafts and interests have been repaid after the public security organ files the case and before the people's court makes a judgment, they may be given a lighter punishment. If the circumstances are minor, they may be exempted from punishment. If the malicious overdraft amount is relatively large and all the overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal liability may not be pursued in accordance with the law.