second, whether there is sufficient economic ability objectively

To put it bluntly, default overdraft is a civil dispute, and malicious overdraft is a criminal offence.

The former is subjectively willing to repay, objectively unable to pay off in one lump sum, but tries his best to repay every month.

The latter is a subjective intentional default. Objectively, it is obvious that it has enough repayment ability, but it just doesn't pay off at one time, or it doesn't meet the minimum amount. Although it's paid back every month, it's still paid back 1 yuan and 2 yuan. If the minimum repayment amount is not enough, then it can be characterized as malicious default.

another is that there is a subjective refusal to repay. Objectively, regardless of whether he has enough repayment ability, he has no repayment behavior, and the amount is huge, so it can be considered as credit card fraud.