The bank will call the police. If a credit card is overdue for more than 3 months and the amount owed reaches 10,000 yuan, the debtor will bear dual criminal and civil responsibilities. The bank can report the case as credit card fraud.

Article 6 of the "Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Obstructing the Management of Credit Cards" issued by the Supreme People's Court and the Supreme People's Procuratorate in 2009 stipulates that "the cardholder shall, for the purpose of illegal possession, exceed If an overdraft is made within a specified limit or within a specified period and the card-issuing bank fails to repay the card for more than three months after being called upon twice, it is considered a malicious overdraft behavior." It should be handled in accordance with the crime of malicious overdraft stipulated in Article 196 of the Criminal Law and criminal liability should be investigated.

At the same time, it is stipulated that if the amount of malicious overdraft is more than 10,000 yuan, it meets the "large amount" standard in Article 196 of the Criminal Law, and will be investigated for criminal liability for suspected credit card fraud. Anyone who uses forged credit cards, or uses fraudulently obtained credit cards with false identity certificates, invalid credit cards, or falsely uses other people’s credit cards to commit credit card fraud, with the amount exceeding 5,000 yuan, will also be held criminally responsible for suspected credit card fraud.