Of course, according to the notice of the Supreme People's Procuratorate and the Supreme People's Court on the issuance of the "Interpretations on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Credit Card Fraud": 2. Individuals use it for the purpose of illegal occupation, or knowingly If you are unable to repay, use your credit card to maliciously overdraft, defraud property worth more than 5,000, and evade investigation, or if you fail to repay after being asked for repayment by the bank for more than three months, you will be held criminally responsible for fraud.