2. The court conducts a trial and files a case that meets the acceptance conditions.
3. When a complaint is served on the debtor, the debtor shall reply within the statutory time limit. The defendant shall submit the defense within 15 days from the date of receipt.
The court arranged a hearing.
5. The court made a judgment.
6. If the debtor fails to pay back the money after the judgment of the court, the bank may apply for compulsory execution.
Legal basis: Interpretation 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 of Impairment of Credit Card Management Article 6 If a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession and fails to return it for more than 3 months after repeated reminders from the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.