Not yet, but it will be if you choose to continue overdue. Generally, criminal liability for credit card fraud can be pursued if the principal of 5,000 yuan is not repaid after collection for more than 3 months. If the amount of the debt is more than 10,000 yuan and is still not returned for more than 3 months after two collections by the card-issuing bank, it shall be deemed It is a malicious overdraft under the criminal law and is suspected of credit card fraud. The malicious overdraft amount is relatively large and all the overdraft interest has been repaid before the public security organ files the case. If the circumstances are obviously minor, criminal liability may not be pursued in accordance with the law. Detention in criminal proceedings is a matter of public security organ, For cases directly accepted by the People's Procuratorate, when encountering statutory emergencies during the investigation process, the People's Procuratorate will adopt the coercive method of temporarily depriving current criminals or major suspects of their personal freedom.

1. Henan Zhongyuan Consumer Finance Co., Ltd. (referred to as "Zhongyuan Consumer Finance Company") was established at the end of 2016. It is a national non-bank financial institution approved by the China Banking and Insurance Regulatory Commission. It is jointly operated by Zhongyuan Bank and Shanghai Yiqian Network Information Technology Co., Ltd. *** Contribute capital to initiate the establishment. Starting from 2017, the products of Zhongyuan Consumer Finance Company include: Zhongyuan Consumer Finance App, Money-Withdrawal, Elite Loan, Money-Withdrawal and other products. On February 9, 2018, the Henan Banking Regulatory Bureau approved the change of the registered capital of Henan Zhongyuan Consumer Finance Co., Ltd. from RMB 500 million to RMB 800 million. On September 30, 2019, the Henan Banking and Insurance Regulatory Bureau approved the increase in the registered capital of Henan Zhongyuan Consumer Finance Co., Ltd. to 2 billion yuan and introduced Warburg Pincus as a new shareholder.

2. Henan Zhongyuan Consumer Finance Co., Ltd. was established on December 29, 2016. Legal representative Li Yulin, the company's business scope includes: issuing personal consumption loans; accepting deposits from shareholders' domestic subsidiaries and domestic shareholders; borrowing from domestic financial institutions; issuance of financial bonds with approval; domestic inter-bank lending; consulting and agency related to consumer finance Business; agency sales of insurance products related to consumer loans; fixed income securities investment business; other businesses approved by the China Banking Regulatory Commission, etc. Company business: issuing personal consumption loans; accepting deposits from shareholders’ domestic subsidiaries and domestic shareholders; borrowing from domestic financial institutions; issuance of financial bonds upon approval; domestic inter-bank lending; consulting and agency business related to consumer finance; agency sales and consumer loans Related insurance products; fixed income securities investment business; other businesses approved by the China Banking Regulatory Commission.