Legal analysis: A credit card that is overdue for 180 days is a malicious overdraft, and the balance should be paid off as soon as possible.

Legal basis: "Interpretation on Several Issues Concerning the Specific Application of Laws in Criminal Cases Obstructing Credit Card Management"

Article 8 Malicious overdraft, the amount is more than 50,000 yuan but less than 500,000 yuan , should be determined as a "large amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 500,000 yuan but less than 5 million yuan, it should be determined as a "huge amount" as stipulated in Article 196 of the Criminal Law "; If the amount is more than five million yuan, it should be deemed as an "especially huge amount" as stipulated in Article 196 of the Criminal Law.

Article 9 The amount of malicious overdraft refers to the actual overdraft principal amount that has not been repaid when the public security organ files a criminal case, excluding interest, compound interest, late payment fees, handling fees and other fees charged by the card-issuing bank. The amount returned or paid shall be deemed as the return of the actual overdraft principal.