Generally, owing a credit card of 2200 yuan will not be sentenced, and it does not constitute a malicious overdraft. The amount of 2200 yuan is relatively small, so it is recommended to repay the loan, otherwise the interest will be calculated at five ten thousandths per day.

According to the regulations, if the credit card has been repaid but the amount is insufficient, exceeding the prescribed limit or time limit, and it is still not returned after being collected by the issuing bank for more than 3 months, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law. You will be prosecuted.

The amount of malicious overdraft of credit card refers to the unpaid amount, excluding the late payment fee and compound interest charged by the issuing bank. Malicious overdraft, the amount of which is more than 6,543.8+0,000 yuan but less than 6,543.8+0,000 yuan, shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 654.38+10,000 yuan and less than 1 10,000 yuan, it shall be deemed as "huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 6,543.8+0,000 yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.