no, credit card overdraft exceeding 5, constitutes credit card fraud, while 3, does not constitute credit card fraud, but it needs to bear civil liability, and overdue repayment will result in late fees and interest, and even bad credit records.

The consequences of overdue credit cards are as follows:

1. The bank credit card banking center will charge a late payment fee and interest:

1. The late payment fee is calculated at 5% of the unpaid part of the minimum repayment amount, and the minimum charge is people, 1 yuan or US$ 1

2. At the same time, the bank will also charge interest of five ten thousandths of the whole bill every day.

Second, it will affect the credit:

1. If it is overdue within one month, it will be counted as overdue once. As long as it is overdue, even once, it will be more difficult to increase the credit limit;

2. If it is overdue for 3 consecutive times or accumulated for 6 times, there will be a bad credit record, and it will be difficult to get a loan and apply for a credit card in the future;

3. If the overdue period exceeds a certain amount and time, the bank will freeze the credit card.