These are two different systems.

The credit card is a credit platform launched by the People's Bank of China.

But if the credit card is overdue and is sued and handed over to the court, it is Possible

Read more about the consequences of overdue credit cards and use them well.

According to Article 196 of the "Criminal Law", under one of the following circumstances, credit card fraud is carried out, and the amount is relatively large. If the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years of fixed-term imprisonment and a fine of not less than 20,000 yuan but not more than 200,000 yuan. A fine of not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the sentence is to be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

(4) Malicious overdraft.

A malicious overdraft refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and still refuses to return the card after being called upon by the card-issuing bank.

Any malicious overdraft involving an amount of more than 10,000 yuan but less than 100,000 yuan shall be deemed as a "relatively large amount" as stipulated in Article 196 of the Criminal Law and shall be sentenced to about two years.

Criminal liability should be pursued for malicious overdrafts, but if all the overdraft interest has been repaid after the public security organ files the case and before the People's Court's judgment is pronounced, the person may be given a lighter punishment. If the circumstances are minor, the penalty may be exempted. If the malicious overdraft amount is relatively large and all the overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal liability may not be pursued in accordance with the law.