The case of malicious overdraft of credit card is a criminal case. When a bank brings a lawsuit to a public security organ, the public security organ (three public security organs) will handle the parties. \x0d\\x0d\ The following are the specific provisions on malicious overdraft of credit cards: \x0d\ Whether a credit card will be sued by a bank or not constitutes a crime depends mainly on the amount and time of arrears. If the credit card is overdue for more than two months and does not actively contact the bank, it constitutes a malicious overdraft, and when the amount of malicious overdraft reaches a certain amount, it constitutes a criminal offence: \x0d\ the Supreme People's Court and the Supreme People's Procuratorate jointly issued the Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management, which came into effect on 20 14+02+ 16. According to the explanation: \x0d\ 1. Whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also, or shall only, be fined; \x0d\ 2。 If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; \x0d\ 3。 If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. \ x0d \ x0d \ According to the explanation, if the amount of malicious overdraft is more than 6.5438+0 million yuan but less than 6.5438+0 million yuan, it shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 654.38+10,000 yuan and less than 1 10,000 yuan, it shall be deemed as "huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 6,543.8+0,000 yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.