Possibly.

After the credit card is overdue, the credit card legal department of the card-issuing bank will collect money from the cardholder. If the overdue amount is too large and the debt is not paid for a long time, then the legal department is very likely to actually report the case for credit card fraud. File a lawsuit in court to recover damages.

However, if the overdue amount of the credit card is not large, the chances of the credit card legal department reporting the case are extremely small. Remember, don't refuse to answer the phone. You may negotiate with the other party about the repayment issue, repay it in installments, and determine whether the repayment money is to repay the principal or interest. As a reminder, overdue credit card payments will have serious consequences. High overdue penalties and bad personal credit records will have many negative impacts on cardholders.