Three months. After the credit card is overdue, if the bank does not collect it for three months, it will generally report to the borrower. If the borrower owes a large amount of money and is deemed to be overdue in bad faith, the court will sue for credit card fraud, so the cardholder will bear certain criminal responsibility. 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 Article 6 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 Article 8 Article 196 of People's Republic of China (PRC) Criminal Law,

Legal objectivity:

Items (1) and (2) of 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 stipulates that if a cardholder exceeds the prescribed limit or overdraws within the prescribed time limit for the purpose of illegal possession, and fails to return it after two effective collections by the issuing bank for more than three months, it shall be deemed as Article 196 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. Malicious overdraft? . The purpose of illegal possession should be judged according to the cardholder's credit history, repayment ability and willingness, the application and overdraft of credit cards, the use of overdraft funds, the performance after overdraft, and the reasons for not repaying according to regulations. It is not allowed to identify the purpose of illegal possession just because the cardholder fails to repay the loan according to the regulations.