Explain that the credit card is suspected of credit card fraud and malicious overdraft. After the bank reports the case, the Public Security Bureau will initiate an investigation. If it is true, it will file a prosecution with the procuratorate. Please pay off your credit card balance promptly.

If a credit card debt of more than 5,000 yuan is overdue for more than three months or the bank has not paid more than two reminders, the bank will freeze the card and list the cardholder as a prohibited customer (blacklist) ), and will also sue cardholders for credit card fraud and malicious overdrafts, and the court will enforce it. If you refuse to repay after being sued and the amount owed exceeds RMB 10,000, the court will sentence you based on Article 196 of the Criminal Law for the crime of credit card fraud. The cardholder will face dual penalties of criminal punishment and fines.