Bank staff have no right to detain, which is illegal; However, malicious overdraft of credit cards is also illegal, and it is best to pay it off as soon as possible.

Credit card malicious overdraft: refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and has not returned it for more than 3 months after repeated collection by the issuing bank.

Consequences of malicious overdraft of credit card:

1, resulting in bad credit records;

2. Interest: the daily interest is calculated at 0.05%, and the interest is calculated from the consumption bookkeeping date;

3. Late payment fee: 5% of the unpaid part of the minimum repayment amount will be used as late payment fee, which will be collected monthly;

4. The bank will sue;

5. No credit business shall be conducted in this bank within 5 years from the date of paying off debts.