First of all, you haven't figured out what is malicious overdraft and what is malicious non-repayment. According to your reflection. One: The money was paid back in June 5438+ 10, 2009, which means that the money was not paid back in June 5438+065438+ 10, and in June 5438+February, 2009. You paid back 2 100 yuan through collection. At this time, the nature has changed. Malicious overdraft and malice are two different things. Malicious overdraft is defined as overdue for more than 3 months, which does not constitute a malicious overdraft factor according to the date you provided. Two: Malicious non-repayment, defined as no intention to repay for three consecutive months from the date of consumption, is malicious non-repayment. According to your reflection, you have a repayment record. In order to minimize the loss, the bank only asks you to pay it off in full. Three: The Public Security Bureau has no basis for arresting you. Simply speaking, there are two reasons. (1) You have a repayment record, but you can't pay it off in one lump sum for economic reasons. (2) Your relationship with the bank is purely a civil dispute. As long as you keep the monthly repayment record, even if it is 100 yuan per month, banks, lawyers and public security organs or institutions have no right to arrest you. So you can rest assured. The premise is to have a repayment record. Please leave me a message offline if you don't understand the above points, hoping to help you. Of course, it is only natural that you don't pay back the money you owe. You better return it.