Legal analysis: Yes, you can call CCB's credit card service for specific consultation. Remember to emphasize that your economy is still relatively difficult, and you only have the ability to find ways to repay the principal as much as possible and see how much relief the bank will give you.

Legal basis: The Interpretation on Several Issues Concerning the Specific Application of Laws in Criminal Cases of Impairment of Credit Card Management states that the bank's failure to repay the two collections in March is a malicious overdraft.

1. First, in the judicial interpretation, there are two restrictions on "malicious overdraft": first, the card-issuing bank has made two collections; Second, it has not been returned for more than three months.

2. Second, because the crime of "malicious overdraft" is a deliberate crime, it has the subjective purpose of illegal possession, which is a very important constituent element of this behavior.

3. Thirdly, this judicial interpretation clarifies the amount of "malicious overdraft", which refers to the money that has not been returned and has not yet been returned, excluding the fees charged by the issuing bank such as late fees and compound interest.

4. Fourth, according to the criminal policy of combining leniency with severity, those who repay the overdraft interest before the court makes a judgment or the public security organ files a case will be given a lighter punishment or will not be investigated for criminal responsibility. In this way, those fraudulent acts of "malicious overdraft" will be investigated according to law, and at the same time, the legal warning and education function will be exerted to minimize the criminal attack.