Legal analysis: As long as the money is owed, the bank may sue, which is up to the bank to decide; 2. If the amount owed reaches more than 1, yuan and is not returned for more than 3 months after being collected twice by the issuing bank, it shall be deemed as "malicious overdraft" in criminal law and suspected of credit card fraud; 3. If the amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files the case, if the circumstances are obviously minor, criminal responsibility may not be investigated according to law.

legal basis: article 33 of the criminal law of the people's Republic of China, who gathers people to gamble or gamble for the purpose of making profits, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance and shall also be fined. Whoever opens a casino shall be sentenced to fixed-term imprisonment of not more than five years, criminal detention or public surveillance, and shall also be fined; If the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years and shall also be fined. Whoever organizes citizens of the People's Republic of China to participate in gambling outside the country (territory), if the amount is huge or there are other serious circumstances, shall be punished in accordance with the provisions of the preceding paragraph. Whoever opens a casino shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also be fined; If the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined.

Law of the People's Republic of China on Public Security Administration Punishment

Article 7 Whoever provides conditions for gambling for the purpose of making profits, or participates in gambling with a large amount of money, shall be detained for not more than five days or fined not more than 5 yuan; If the circumstances are serious, they shall be detained for not less than 1 days but not more than 15 days, and be fined not less than 5 yuan but not more than 3, yuan.

article 76 whoever commits any of the acts mentioned in articles 67, 68 and 7 of this law and refuses to mend his ways after repeated education may take compulsory education measures in accordance with state regulations.