What you want to ask is, after using the credit card for 23,000 yuan, will it be considered a malicious overdraft to repay more than 100 yuan every month? After using the credit card for 23,000 yuan, repaying more than 100 yuan every month will not be judged as a malicious overdraft. Because after using the credit card for 23,000 yuan, since the repayment is hundreds and hundreds of dollars every month, it cannot constitute a malicious overdraft. On the other hand, if the monthly repayment of more than 100 yuan is greater than the minimum repayment amount of the monthly bill, not only It does not count as a malicious overdraft, and it does not count as overdue.