First, it is completely reasonable and legal for banks to collect debts at home, so it is entirely possible to file a civil lawsuit directly if necessary.

Second: If the bank decides that you have the repayment ability and refuses to return it because of malicious overdraft, you can still report it directly to the Public Security Bureau. I can tell you that there will be recordings and relevant certificates when the bank entrusts a law firm to collect debts. If both the appraisal and the physical evidence confirm that you are malicious, then you can wait for the police to come.

Credit card overdraft is different from general loan disputes. If your breach of contract is considered malicious, it is a kind of fraud, which fully meets the constitutive requirements of the crime of credit card fraud. The new criminal law has specially intensified the crackdown on this kind of behavior, so you can check it yourself.