Legal analysis: If the bill is overdue, please repay it as soon as possible according to the repayment time and amount told by the staff, or contact the relevant personnel according to the contact information left by the dunning staff. If the bill is not repaid on time, the bank has the right to recover the money through legal channels or the collection department.

Legal basis: Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management Article 6 If a cardholder overdraws beyond the prescribed limit or within the prescribed time limit for the purpose of illegal possession, and fails to return it for more than 3 months after being repeatedly urged by the issuing bank, it shall be deemed as malicious overdraft in Article 196 of the Criminal Law. In any of the following circumstances, it shall be deemed as the purpose of illegal possession in the second paragraph of Article 196 of the Criminal Law: (1) knowing that there is no repayment ability and a large amount of overdraft cannot be returned; (two) wantonly squandering overdraft funds, unable to return; (3) Escaping after overdraft, changing contact information and evading bank collection; (4) Evading or transferring funds, concealing property and evading repayment; (five) the use of overdraft funds for illegal and criminal activities; (six) other acts of illegal possession of funds and refusal to return them. 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 "the amount is extremely huge" as stipulated in Article 196th of the Criminal Law.