According to the newly revised Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management, 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 three months after being effectively urged by the issuing bank twice, it shall be deemed as' malicious overdraft' as stipulated in Article 196 of the Criminal Law. Moreover, the starting point of the crime amount was changed from the original 1 10,000 yuan to 50,000 yuan.

According to this, you won't report the case to the public security bureau at the first time, but you can file a civil lawsuit with the court and ask you to repay it.