if the credit card has been repaid but not enough, it will be overdrawn if it exceeds the prescribed limit or time limit, and it will not be returned for more than 3 months after being collected twice by the issuing bank, which shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law. You will be prosecuted at this time.
The amount of malicious overdraft of a credit card refers to the money that is refused to be returned and has not been returned, excluding the fees charged by the issuing bank such as late payment fees and compound interest. Malicious overdraft, the amount of which is more than 1, yuan but less than 1, yuan, shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 1, yuan but less than 1 million yuan, it shall be deemed as "a huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 1 million yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.