It is possible to be investigated for criminal responsibility for overdue credit cards, but not everyone should be investigated for criminal responsibility. It depends on whether there is malicious overdraft and the amount. First, if the credit card does not repay, if it is judged as malicious overdraft and the amount is large, it can be criminally filed. Second, if the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than 3 months after being collected twice by the issuing bank, it shall be deemed as malicious overdraft. Third, according to Article 196 of the Criminal Law of People's Republic of China (PRC), "malicious overdraft" belongs to the crime of credit card fraud. Fourthly, according to the latest standards issued in 2065438+2008+65438+206543810, if the amount of malicious overdraft is more than 50,000 yuan, it is deemed as "a large amount" as stipulated in Article 196 of the Criminal Law, which has constituted a crime. Note: the amount of malicious overdraft of credit card refers to the amount that has not been returned and has not been returned, excluding late fees, compound interest and other fees charged by the issuing bank.

Legal objectivity:

Article 667 of the Civil Law of People's Republic of China (PRC) is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest. Article 676 of the Civil Code of People's Republic of China (PRC) If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state. Article 680 of the Civil Code of People's Republic of China (PRC) prohibits high-interest lending, and the lending rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.