First of all, we will not prosecute for the time being. If the credit card is overdue for more than 5,000 yuan for three months, the bank can indeed call the police, which is a malicious overdraft. Legally speaking, it is a credit card fraud, which can be sentenced to fixed-term imprisonment of not more than five years and a fine of 200,000-200,000.

Secondly, banks are, after all, commercial organizations, aiming at making profits. As for whether to call the police or not, it is meaningless to the bank, mainly because the bank can see the money.

Finally, my advice to you is that in fact, the bank just wants to scare you by seeing that you haven't paid back the money, so you should try your best to collect some money these two days, at least a little more than the minimum payment, and then go directly to the bank to pay it back, and then contact the bank to say that you have tried your best to pay back the money. You must emphasize that you don't want to return it. It's just that something happened at home recently, and now it's settled. You can pay back your salary as soon as you settle it next month, so that the bank can see the hope of repayment. So I won't embarrass you any more. When a bank encounters such a thing, it usually scares you first, and when you settle with him, he won't really call the police. Moreover, even if you do report to the police, as long as you pay back the money as I say, the bank can't say that you overdraw maliciously and don't pay it back for three months.

Legal basis:

Article 58 of the Civil Procedure Law of People's Republic of China (PRC), the parties and legal representatives may entrust one or two persons as agents ad litem. The following persons may be entrusted as agents ad litem:

(1) Lawyers and grassroots legal service workers;

(2) Close relatives or staff members of the parties concerned;

(three) citizens recommended by the community, units and relevant social groups where the parties are located.