Call the bank quickly and explain the situation. Maybe we can bend the rules. If you report it, you will have a bad credit record, which is a blacklist. Then it is difficult to apply for credit cards, loans and other banking-related businesses in the future, and this record will be maintained for several years. Generally, if the amount is not large, it will not affect visas and children's going abroad, and large banking business may be affected.
Cherish your credit ~
You can transfer money through local bank, wire transfer or online bank, just transfer the money to your credit card account.