Article 196 of the "Criminal Law" stipulates: Whoever commits credit card fraud in any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not less than 200,000 yuan. A fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is extremely 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, he shall be sentenced to a fixed-term imprisonment of not less than five years but not more than 10 years. Fixed-term imprisonment or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property: (4) Malicious overdraft. Article 6 of the "Interpretations 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 Obstructing the Management of Credit Cards" stipulates: For the purpose of illegal possession, the cardholder exceeds the prescribed limit or overdrafts within the prescribed period, and the card-issuing bank has approved If the money is not returned more than three months after the first collection, it shall be deemed as a "malicious overdraft" as stipulated in Article 196 of the Criminal Law. According to relevant laws and regulations, only if the credit card overdraft amount exceeds 10,000 and has not been repaid after two bank collections for more than 3 months, it is possible to be suspected of credit card fraud. Based on your specific situation, you only overdrafted 6,000 yuan. The amount alone does not constitute a crime of credit card fraud. You can rest assured on this. However, the bank can sue you to repay the principal, interest, late payment fees, etc., which will also have an impact on your credit score, so it is still recommended to return the money to the bank as soon as possible. The above suggestions are for your reference.