Legal analysis:

If an overdraft card is overdue for more than three consecutive months, the bank will block the card and report it to the central bank's personal credit report. At the same time, there will be stains on the credit report. It should be noted that overdue does not only refer to overdue credit cards. Multiple overdue bank loans of other types will also cause the credit card to be blocked. In addition, the credit card will be deactivated or the limit will be reduced: the credit card will be idle for a long time; it will be overdue for a long time or the overdue amount will be large.

Legal basis:

Article 196 of the "Criminal Law of the People's Republic of China" Under any of the following circumstances, if credit card fraud is carried out and the amount is relatively large, Whoever commits a crime shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan. If the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property:

(1) ) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

(2) Using an invalid credit card;

(3) Pretending to use another person’s credit card ;

(4) Malicious overdraft.