1. Even if the local police station files a case after the bank reports the case, the staff of the police station will directly contact the person who owes the credit card, instead of the person who goes to the police station for investigation.

II. Criteria for filing overdue credit cards:

Article 54 of the Provisions of the Ministry of Public Security of the Supreme People's Procuratorate on the Criteria for Filing and Prosecuting Criminal Cases under the Jurisdiction of Public Security Organs [Credit Card Fraud (Article 196 of the Criminal Law)] If credit card fraud is suspected of one of the following circumstances, it shall be filed for prosecution:

(1) Using forged credit cards, or using credit cards fraudulently obtained with false identification.

(2) Malicious overdraft, the amount of which is more than 1, yuan.

The term "malicious overdraft" as mentioned in this article refers to that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than three months after being repeatedly urged by the issuing bank.

It can be seen that if the credit card is overdue, a malicious overdraft will constitute a crime, and if the credit card cannot be repaid, it will not constitute a crime.

third, how to avoid malicious overdraft?

(a), it needs to be clear that the purpose of malicious overdraft is illegal possession, not inability to repay.

(2) After the credit card is overdue, it is considered a malicious overdraft if the bank refuses to repay it after two effective collections. Obviously, as long as it is not a malicious default, even if it can't be paid off in full, but it still insists on repayment every month (the amount is not the key, the behavior is very important), it is not a malicious overdraft.