Legal analysis: China's criminal law stipulates malicious overdraft as a kind of credit card fraud. In other words, what you are facing now is not an economic case, but a criminal case. Take the initiative to communicate with the bank about the solution so that the bank can drop the lawsuit, otherwise you will be sentenced.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China commits credit card fraud under any of the following circumstances. If the amount involved is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan, or if there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 1 years, and shall also be fined not less than 5, yuan but not more than 5, yuan, or if there are other particularly serious circumstances. He shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated:

(1) using forged credit cards, or using credit cards fraudulently obtained with false identification; (2) using invalid credit cards; (3) fraudulently using other people's credit cards; and (4) maliciously overdrawing.

the malicious overdraft mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.

whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of article 264 of this law.