whether the credit card owes more than 2, yuan will be prosecuted. If the credit card owes more than 2, yuan, it is a civil dispute. As a creditor, the bank can bring a civil lawsuit to the people's court. When you apply for a credit card successfully, you need to repay it in time. If you don't pay back the money, as a creditor, the bank can exercise its creditor's rights. Therefore, if the credit card owes more than 2, yuan, it will still be sued by the bank. It is suggested that you should abide by the repayment agreement when borrowing money by credit card and repay it on time, so as not to cause repayment disputes, which will seriously affect personal credit information.

Legal Basis

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 a 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 repeatedly urged by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 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) Evading or transferring funds, concealing property and evading repayment;

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

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

criminal responsibility should be investigated for malicious overdraft. however, if the overdraft interest has been fully repaid before the people's court makes a judgment after the public security organ files a case, the punishment may be given a lighter punishment, and if the circumstances are minor, the punishment may be exempted.

if the amount of malicious overdraft is relatively large, and all the overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law.