Legal analysis: Judicial procedures for overdue credit cards generally depend on the simplicity and complexity of the case, as follows: The common procedures are: 1. Prosecution. 2. Acceptance. 3. Preparation before trial. 4. Open court. Compared with ordinary procedures, summary procedures are an independent first-instance procedure used by basic people's courts and their dispatched courts to hear simple civil cases.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China. Malicious overdraft constitutes the crime of credit card fraud and shall be sentenced to fixed-term imprisonment of not more than five years, criminal detention, and a fine of not less than 20,000 yuan. A fine of not more than 200,000 yuan.