If the credit card owes 654.38 million yuan, it should actively respond to the lawsuit and repay the arrears. Or you can negotiate with the bank for repayment and ask the bank to withdraw the lawsuit to avoid criminal responsibility. If the credit card is overdue, civil liability will be investigated. If it is a malicious overdraft, it will be prosecuted and investigated for criminal responsibility. The debtor should actively negotiate with the bank for repayment, which can reduce or exempt the punishment. If the court refuses to repay the loan or execute the judgment after the judgment, it may also constitute the crime of refusing to execute the judgment or ruling.

legal ground

Article 54 of the Provisions on the Standards for Criminal Cases under the Jurisdiction of Public Security Organs [Credit Card Fraud (Article 196 of the Criminal Law)] If a person is suspected of credit card fraud, he shall file a case for prosecution under any of the following circumstances:

(1) Using forged credit cards, or using forged identity documents to defraud credit cards, or using invalid credit cards, or fraudulently using other people's credit cards to engage in 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, criminal responsibility may not be investigated according to law.