Credit cards can only be repaid by themselves, whether they are overdrawn, cheated or used by others. There is generally no other way to deal with it.

Credit card malicious overdraft: refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and has not returned it for more than 3 months after repeated collection by the issuing bank.

Consequences of malicious overdraft of credit card:

Have a bad credit record;

Generate late fees and interest;

The bank will sue;

No credit business shall be conducted in this bank within 5 years from the date of paying off debts.