Legal analysis: If your credit card debt exceeds 50,000 yuan and has not been repaid for more than three months, the bank may report the case. At this time, the police will usually register and accept the case. , please note that this is acceptance and not filing of a case. Then the police uncle will call you and ask you to go over for investigation and questioning, and make relevant records. Then he will tell you that you are suspected of credit card fraud, and will also tell you if you have paid back the loan before filing the case. If you pay, no case will be filed and you will not be held criminally responsible. But at this time, debtors are almost unable to repay, because if they have money, they will not be overdue, right? Therefore, many people refused, leading to prosecution and prosecution.

Legal basis: "Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Obstructing the Management of Credit Cards" Article 9 The amount of malicious overdraft refers to the actual overdraft principal amount that has not been returned when the public security organ files a criminal case. , excluding interest, compound interest, late payment fees, handling fees and other fees charged by the card-issuing bank. The amount returned or paid shall be deemed as the return of the actual overdraft principal.