Legal analysis: Guangfa Credit Card will be sued by the bank if it is overdue for three months and the amount reaches more than 10,000 yuan. In addition to being sued by the bank, the credit information of the parties will also be tainted. If the bank still fails to perform its obligations according to the court's judgment after prosecution, the court will take enforcement, seal up the personal property under its name and auction it to repay the arrears. Therefore, it is best not to exceed three months overdue. Once overdue is found, it should be paid off as soon as possible, so as not to adversely affect the credit of the parties themselves.

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 time limit for the purpose of illegal possession, and fails to return it for more than three months after two effective reminders by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.

The purpose of illegal possession should be judged according to the cardholder's credit history, repayment ability and willingness, the application and overdraft of credit cards, the use of overdraft funds, the performance after overdraft, and the reasons for not repaying according to regulations. It is not allowed to identify the purpose of illegal possession just because the cardholder fails to repay the loan according to the regulations.

In 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, unless there is evidence to prove that the cardholder does not have the purpose of illegal possession:

(a) knowing that there is no repayment ability and a large amount of overdraft can not be returned;

(2) After applying for a credit card with a false credit certificate, it is overdrawn and cannot be returned;

(3) Escaping after overdraft or changing contact information to avoid bank collection;

(4) evading or transferring funds, concealing property or evading repayment;

(five) the use of overdraft funds for criminal activities;

(six) other illegal possession of funds, refused to return.