2. Failure to return the bank credit card within the time limit may be suspected of credit card fraud;
3. If the amount of principal owed reaches 1 10,000 yuan or more, and it is not returned for more than 3 months after being collected twice by the issuing bank, it shall be deemed as "malicious overdraft" in the criminal law, and it is suspected of credit card fraud, and shall be sentenced to fixed-term imprisonment of not more than 5 years, criminal detention and a fine of not less than 20,000 yuan but not more than 200,000 yuan;
4. If the amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law.
Legal basis: People's Republic of China (PRC) Civil Procedure Law.
Article 123 The people's court shall guarantee the right of prosecution enjoyed by the parties according to law. A lawsuit that conforms to Article 119 of this Law must be accepted. Those who meet the conditions for prosecution shall file a case within seven days and notify the parties concerned; If it does not meet the conditions for prosecution, it shall make a ruling within seven days and refuse to accept it; If the plaintiff refuses to accept the ruling, he can appeal.
Article 149 A case tried by the people's court through ordinary procedures shall be concluded within six months from the date of filing the case. If there are special circumstances that need to be extended, it can be extended for six months with the approval of the president of our hospital; If an extension is needed, it shall be reported to the people's court at a higher level for approval.
Article 161 When a people's court tries a case by summary procedure, it shall conclude the case within three months from the date of filing the case.