The so-called malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being collected by the issuing bank.

I suggest you pay back the money as soon as possible. You are overdue for too long. If you delay, the bank will sue you. It is best to negotiate the repayment amount and repayment time with the bank customer service, and have a good attitude.

In this way, improper use of credit cards has become Kanu and even more serious sequelae, and correct use is the card god. It is recommended to read more websites or forums about credit cards (such as I love cards) and learn more about credit cards.