If you are sued for credit card arrears of 2, yuan and receive a court summons, you should pay back the money immediately and let the bank withdraw the lawsuit.

if you don't pay back the money in time, it may constitute a crime of malicious overdraft. If the amount of malicious overdraft is large, and all the overdraft interest has been repaid before the public security organ files a case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law.

China's Criminal Law defines malicious overdraft as a crime of credit card fraud, and its constitutive requirements are as follows:

1. The cardholder is a legal cardholder. If he steals or uses another person's credit card, it constitutes theft and fraudulent use of another person's credit card, but it does not constitute malicious overdraft;

2. Subjectively, the cardholder is direct and intentional, and has the purpose of illegally occupying bank funds;

3. The cardholder has objectively committed malicious overdraft, causing economic losses to the issuing bank;

4. The cardholder refuses to return it after being urged by the issuing bank, and the amount is large or it takes a long time to reach the penalty.

Extended information:

Prosecution is the act of bringing a lawsuit to the court according to law and requesting the court to try a specific case. The prosecution must be a citizen or legal person with the right to sue at night to a court with jurisdiction according to law.

a credit card is a credit certificate issued by a commercial bank or a credit card company to a qualified consumer. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

References: malicious overdraft-Baidu Encyclopedia