In 1997, the Supreme People's Court and the Supreme People's Procuratorate jointly issued a document clarifying that malicious credit card overdrafts will be punished as fraud.

According to the fact that you have received a summons from the criminal investigation department, the bank has determined that your overdraft was malicious and has handed it over to the public security department to take over. This situation must be when the bank has repeatedly failed to collect collection. Just happened. You should have negotiated repayment with your bank long ago.

There are currently remedial measures, that is, on the one hand, you can go to the criminal investigation department to explain the situation clearly, and on the other hand, you can also explain your overdraft situation to the bank face to face, and formulate a practical written repayment plan, which can be saved. , at the same time, remember to repay as planned and not to default.