For credit card malicious overdraft, the standard of crime is:

1/ The amount is greater than 1 ten thousand yuan.

2/ After being urged twice by the bank.

3/ 3 months overdue.

Satisfying the above conditions is enough to become a criminal standard.

And if you don't pay it back for a long time, your credit history will be seriously affected, and all your future financing will be restricted. I suggest you pay it back anyway, and the minimum requirement is at least the minimum repayment amount.

I hope my above reply can help you.