2. Failure to return the bank credit card within the time limit may be suspected of credit card fraud;
3. If the amount of principal owed reaches 1 10,000 yuan or more, and it is not returned for more than 3 months after being collected twice by the issuing bank, it shall be deemed as "malicious overdraft" in the criminal law, and it is suspected of credit card fraud, and shall be sentenced to fixed-term imprisonment of not more than 5 years or criminal detention according to law, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan;
4. The amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files the case. If the circumstances are obviously minor, criminal responsibility may not be investigated according to law.
Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and fined not less than 20,000 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 ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(1) Using a forged credit card;
(2) Using an invalid credit card;
(3) Fraudulent use of another person's credit card;
(4) malicious overdraft.