I owe Minsheng Bank a credit card of 6000 yuan, which is more than three months overdue. Today, I received a message from the bank that I would go through judicial procedures to solve the problem and let me solve it. After the credit card is in arrears, the bank will send a dunning message. If the credit card is overdue for more than 3 months, the bank will report it after evaluation. After reporting the case, the local public security organ will ask me to explain the situation. If I don't explain, I can summon or transfer it to the court for judicial proceedings by maliciously overdrawing my credit card.

Malicious overdraft of credit card refers to the behavior that the cardholder overdraws beyond the prescribed limit or term for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Under normal circumstances, malicious overdraft is a breach of contract, and you need to bear the liability for breach of contract according to the credit card collection contract.

The above procedures are the same in most banks.