If the credit card is not enough to repay, and the overdraft exceeds the prescribed limit or term, and the card issuer fails to return it for more than 3 months, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.
You will be prosecuted.
The amount of malicious overdraft of credit card refers to the unpaid amount, excluding the late payment fee and compound interest charged by the issuing bank. Malicious overdraft, the amount of which is more than 6,543.8+0,000 yuan but less than 6,543.8+0,000 yuan, shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 654.38+10,000 yuan and less than 1 10,000 yuan, it shall be deemed as "huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 6,543.8+0,000 yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.