Legal subjectivity:

1. If the payment is temporary and can be repaid later, it will only accrue interest and late fees. 2. However, if the principal is overdrafted by more than RMB 10,000 and the bank still fails to repay the loan after being called by the bank, you may be subject to criminal sanctions. The legal basis is as follows: According to the "Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases Obstructing the Management of Credit Cards" (Fa Interpretation [2009] No. 19): Article 6 The cardholder shall, for the purpose of illegal possession, exceed If an overdraft is made within a prescribed limit or within a specified period and is not repaid for more than three months after being called upon twice by the card-issuing bank, it shall be deemed a "malicious overdraft" as stipulated in Article 196 of the Criminal Law. Malicious overdraft, if the amount is more than 10,000 yuan but less than 100,000 yuan, shall be deemed as a "relatively large amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 100,000 yuan but less than 1 million yuan, it shall be deemed as a "large amount" under the Criminal Law. "A huge amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 1 million yuan, it shall be deemed as an "especially huge amount" as stipulated in Article 196 of the Criminal Law. The amount of malicious overdraft refers to the amount that the cardholder refuses to return or the amount that has not been returned under the conditions specified in the first paragraph. Excludes compound interest, late payment fees, handling fees, etc. charged by the issuing bank. 2. Article 196 of the Criminal Law. Whoever commits credit card fraud activities in any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and A fine of not less than 20,000 yuan but not more than 200,000 yuan shall be imposed; if the amount is huge or there are other serious circumstances, the person 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 serious circumstances If the circumstances are particularly serious, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) Using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate (2) Using an expired credit card; (3) Pretending to use another person’s credit card; (4) Making a malicious overdraft. Legal objectivity:

Article 177-1 of the "Criminal Law of the People's Republic of China" Whoever interferes with the management of credit cards under any of the following circumstances shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and A fine of not less than 10,000 yuan but not more than 100,000 yuan shall be imposed, or may be imposed individually; if the amount is huge or there are other serious circumstances, the sentence shall be not less than three years but not more than 10 years in prison, and a fine of not less than 20,000 yuan but not more than 200,000 yuan: (1) Knowingly Holding and transporting counterfeit credit cards, or holding and transporting blank credit cards knowing that they are counterfeit, in larger quantities; (2) Illegal holding of other people’s credit cards in larger quantities; (3) Using false identities Proof of fraudulently obtaining a credit card; (4) Selling, purchasing, or providing others with forged credit cards or credit cards obtained fraudulently with false identity certificates. Anyone who steals, bribes or illegally provides other people's credit card information shall be punished in accordance with the provisions of the preceding paragraph.