Explain that the credit card is suspected of credit card fraud and malicious overdraft. After the bank reports the case, the Public Security Bureau will open a case for investigation. If it is true, a public prosecution will be filed with the Procuratorate. Please pay off your credit card balance in time. As soon as the cardholder's credit card becomes overdue, the bank will contact the public security organs to file a case. Public security organs usually open cases against credit cards when malicious overdrafts constitute the crime of credit card fraud. When a cardholder's overdue credit card debt is too large and the payment is overdue for a long time, and the bank cannot contact the cardholder, it will contact the public security organs to file a case. "Criminal Law" Article 196 Malicious overdraft refers to the behavior of a cardholder who overdrafts beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and fails to return the card after being called by the card-issuing bank.