Malicious overdraft, according to the second paragraph of Article 196 of the "Criminal Law", means that the cardholder of a credit card exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possession and continues to pay for it after being called by the card-issuing bank. The act of not returning.

You are two months overdue, and the bank is demanding payment again. If you don’t pay back, you can be charged with credit card fraud.

Pay it back as soon as possible. The bank will not sue you immediately. At first, it will just scare you and make you pay back the money quickly. It's not a big problem to pay it back quickly. The bank's purpose is to make you pay back the money, not to put you in jail.