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Credit card malicious overdraft: refers to the cardholder's overdraft exceeding the prescribed limit or prescribed period for the purpose of illegal possession, and the card-issuing bank still fails to return the money for more than 3 months after being called upon twice.
The consequences of malicious credit card overdraft:
1. Producing a bad credit record;
2. Producing late fees and interest;
3. The bank will sue;
4. You will not be able to handle credit business at the bank within 5 years from the date of paying off the debt.