Legal analysis: Yes, overdue repayment may result in a lawsuit regardless of the amount of credit card debt. If the overdraft amount reaches more than 10,000 yuan and the amount exceeds three days after two collections by the card-issuing bank, If the credit card is not returned within three months, it will constitute a crime of credit card fraud and will be prosecuted for criminal liability. The amount of malicious overdraft does not include compound interest, late fees, handling fees and other fees charged by the card-issuing bank.

Legal basis: Article 196 of the "Criminal Law of the People's Republic of China" A fine of not less than 50,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances If any, the offender shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have his property confiscated.