According to the law, if the amount owed by a credit card reaches more than 50,000 yuan, and it has not been returned after being collected by the bank for more than three months, it may constitute the crime of credit card fraud, and may bear criminal responsibility at that time. However, the above conditions must be met at the same time to constitute the crime of credit card fraud.
Legal basis:
Article 673 of the Civil Code of People's Republic of China (PRC), if the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.
Article 674 The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.
Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.