The credit card expenses incurred by patients with depression need to be repaid on schedule. Depression has criminal ability. If the cardholder fails to repay the credit card debt in full and on time for no purpose other than illegal possession, a contractual dispute will be constituted between the cardholder and the bank, which does not constitute a criminal offense. The cardholder shall sign with the bank in accordance with the The contract stipulates that the party shall bear corresponding civil liability. If the credit card's malicious overdraft limit reaches more than 5,000 yuan, the public security agency can file a case. Cardholders not only have to bear criminal penalties, but also pay a hefty fine.