Credit card filing depends on the principal, excluding compound interest. When handling credit card fraud cases, public security organs and procuratorates confirm the crime amount by overdraft principal, excluding the fees charged by the issuing bank such as interest, compound interest, late payment fees and handling fees, and the same is true when the court sentencing. If you only owe a few thousand yuan in principal, even if the bank reports the case, the public security organ will not accept it. The amount of malicious overdraft refers to the actual overdraft principal amount that has not been returned when the public security organ files a criminal case, excluding interest, compound interest, late fees, handling fees and other fees charged by the issuing bank. The amount returned or paid shall be regarded as the return of the actual overdraft principal.

Article 112 of the Criminal Procedure Law of People's Republic of China (PRC), the people's court, the people's procuratorate or the public security organ shall, within their jurisdiction, promptly review the materials of accusation, complaint, report and surrender, and if they think that there are criminal facts that need to be investigated for criminal responsibility, they shall file a case; If it is considered that there are no criminal facts, or the criminal facts are obviously minor, and it is not necessary to pursue criminal responsibility, the case shall not be filed, and the complainant shall be informed of the reasons for not filing the case. If the complainant refuses to accept it, he may apply for reconsideration.