The credit card has been in arrears for 4, years, and if the bank reports the case to the public security organ, it may bear criminal responsibility. The relevant provisions are as follows:

Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management

Article 6 If the cardholder overdraws beyond the prescribed limit or within the prescribed time limit for the purpose of illegal possession, and fails to return it for more than 3 months after being urged by the issuing bank twice, it shall be deemed as Article 6 of the Criminal Law.

under any of the following circumstances, it shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196 of the Criminal Law:

(1) knowing that there is no repayment ability, a large amount of overdraft cannot be returned;

(2) the overdrawn funds are squandered and cannot be returned;

(3) escaping after overdraft, changing contact information and evading bank collection

(4) withdrawing or transferring funds, hiding property and evading repayment;

(5) using overdrawn funds for illegal and criminal activities;

(6) other illegal possession of funds and refusal to return them.

malicious overdraft, the amount of which is more than 1, yuan but less than 1, yuan, shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 1, yuan but less than 1 million yuan, it shall be deemed as "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 "extremely huge amount" as stipulated in Article 196 of the Criminal Law.