If a detained credit card is overdue, you can entrust your family or friends to handle it. Debtors can't be exempted from the responsibility of credit cards because their personal freedom is restricted by detention, and banks still have the right to sue. It is recommended that the parties actively communicate and negotiate with the bank, or contact family and friends to handle it on their behalf, otherwise it may constitute credit card fraud. If the amount owed reaches 1, yuan, and it is still not returned for more than 3 months after being collected by the bank twice, it constitutes the crime of credit card fraud and should bear criminal responsibility. Malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and still refuses to return it after being urged by the issuing bank. Legal objectivity:

Article 196 of the Criminal Law of the People's Republic of China commits credit card fraud under any of the following circumstances. If the amount of credit card fraud is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the act that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and still refuses to return it after being urged by the issuing bank.