Hello, if the bank reports to the police because your credit card is overdue, in principle it will be reported to the local police. However, an overdue credit card is an economic dispute and is not suspected of fraud. Even if you report it to the police, it will not be accepted.

Generally, if the principal is owed 5,000 yuan and is not returned for more than 3 months, criminal liability for credit card fraud may be pursued. If the amount owed reaches more than 10,000 yuan and has not been repaid for more than 3 months after being called for twice by the issuer, it shall be deemed as a malicious overdraft in accordance with the law and suspected of credit card fraud. If the malicious overdraft amount is relatively large and the overdraft interest has been paid off before the public security organ files the case, and the circumstances are obviously minor, criminal liability may not be pursued in accordance with the law. If the People's Court fails to fulfill a legally effective judgment or order of the People's Court, it may impose a fine or detain the person according to the seriousness of the case. Detention decisions by the public security organs, detention decisions by the People's Procuratorate, and judicial detention decisions by the People's Court are all executed by the public security organs. Generally, the maximum period of detention in criminal proceedings is 14 days.

1. As a credit card holder, once you are unable to repay the loan on time due to unemployment, illness or other accidents, before the final repayment period, the cardholder is best to call the bank's credit card center to explain the financial situation. , declared to prove that he owed money without malicious intent, and applied for delayed repayment and interest discounts. In view of the cardholder's positive performance and good credit record in the past, banks will often agree to defer repayment and negotiate with the cardholder a mutually acceptable repayment plan, such as extension period, interest discount, monthly repayment amount, etc. In this way, if the bank proactively contacts the bank and agrees to defer the repayment, it will not be recorded as a bad record, but it should be noted that it is guaranteed to repay as agreed in the future.

2. If you neglect to repay the loan, you must repay it as soon as possible, preferably in full. Then call the bank’s credit card center to report non-malicious debts. If the previous record is good, the overdue period is short, and the overdue repayment is found to be in good condition, it may not be recorded as a bad record. Don't be careless again. Be sure to pay attention to your bank's bill notifications and collection information to avoid overdue payments.

3. To sum up, the consequences of overdue credit cards are quite serious. If the amount is large and the payment is overdue for a long time, it may violate the law or even constitute a crime, constituting credit card fraud. In this way, the public security organs can first detain the person concerned for 15 to 37 days. After investigation, it was found that the amount of credit card debt was large, and the procuratorate will initiate prosecution.