1. According to the amount you explained, combined with the provisions of China's criminal law and judicial interpretation, the current amount does not constitute the crime of credit card fraud. You can rest assured that the friends who answered the above questions in relevant laws and regulations have posted it and will not explain it in detail.
2. In practice, the evidence of malicious overdraft in the crime of credit card fraud is generally recognized as the application and card issuance procedures when you apply for a credit card, the relevant details of your overdraft amount and repayment amount, and the bank's record of repeated dunning and related documents. The bank should submit relevant evidence to prove that you have been dunned for many times. After you receive a dunning form (with your signature) or related phone calls (with a dunning phone record),
3. The amount of credit card fraud, the amount of crime generally recognized in practice = the actual amount of overdraft+normal interest, excluding compound interest, late fees, handling fees and other fees charged by banks. For example, if you overdraw 5, yuan in January, you will repay 1, yuan in May after repeated dunning, and you will file a case in December after repeated dunning. Then, the amount of crime = principal (that is, the remaining unpaid 4, yuan)+normal interest (that is, the normal interest generated when the overdraft of 5, yuan starts to calculate interest until the repayment in May+the normal interest generated by the remaining unpaid 4, yuan from the repayment in May to the filing date). That is to say, the amount recognized in judicial practice is different from the amount when the bank reported the case. The amount of the bank mostly calculates compound interest, late fees, service fees, etc. Moreover, if repayment is made, it is not directly paid back to the principal, but the late fees, service fees and interest are paid back first, and the next principal is all the money owed before, and then the corresponding late fees, service fees, interest, etc. will be generated. Sometimes users will feel that they still owe a lot for a long time, and the delay will be longer.
4. As for the handling of this case, it is obviously not up to the conditions to transfer it as a criminal case. However, I suggest that you negotiate with the bank about the amount and method of repayment to show your sincerity in repayment, and properly handle this matter under the mediation of relevant institutions. Otherwise, although the compound interest is not calculated legally, and the overdraft amount is not large, the normal interest is still increasing, and it will affect your credit, which will have a bad influence on handling related banking business in the future, and it will not be worth the candle.