A malicious overdraft of a credit card reaching a certain amount may constitute the crime of credit card fraud. After the victim reports the case, the public security organs will initiate case handling procedures. This kind of ordinary criminal case will be handled according to the general process: 1. During the investigation stage, the public security organs will Current perpetrators or major suspects of credit card fraud can be criminally detained. Detainees must be interrogated within 24 hours of detention. After the criminal suspect is interrogated for the first time by the investigation agency or from the date when compulsory measures are taken, a criminal suspect may hire a lawyer to provide him with legal assistance, represent him in appeals and accusations. The entrusted lawyer has the right to learn from the investigation agency about the crimes suspected of the criminal suspect, and can meet with the criminal suspect in custody to learn about the relevant case situation from the criminal suspect. 2. During the review and prosecution stage, when the People's Procuratorate reviews a credit card fraud case, it shall interrogate the criminal suspect and listen to the opinions of the victim, the criminal suspect, and the person entrusted by the victim. In a credit card fraud case, the criminal suspect has the right to entrust a defender from the date the case is transferred for review and prosecution. 3. During the trial stage, after reviewing a credit card fraud case for public prosecution, the people's court shall decide to open a trial if the indictment contains clear alleged criminal facts and is accompanied by a catalog of evidence, a list of witnesses, and copies or photos of the main evidence. Except for cases involving state secrets or personal privacy, the people's courts shall conduct first-instance trials in public.