If the cardholder overdraws beyond the prescribed time limit or limit for the purpose of illegal possession, and fails to return it after two effective collections by the issuing bank for more than three months, it can be considered as malicious overdraft.

For the purpose of illegal possession here, it mainly refers to people who know that they have no repayment ability and overdraw a lot, use false credit certificates, apply for credit cards and overdraw. After the credit card is overdrawn, those who maliciously overdraw more than 50,000 yuan to escape or transfer the stolen money can be sentenced to fixed-term imprisonment of not more than five years, spend carefully and repay actively.

If the credit card is overdue, it will generally bear civil liability. In the civil legal relationship, it is only a breach of contract, so it will bear other expenses including principal, interest, overdue interest, liquidated damages, and even recourse expenses, including attorney's fees. Many people are concerned about whether it will involve punishment, and it may involve punishment, but there is only one situation, that is, the malicious overdraft mentioned above.