"Malicious overdraft of credit card" refers to the situation that the credit card holder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and has not returned it for more than 3 months after being collected twice by the issuing bank. Overdraft of 5000 yuan constitutes the crime of credit card fraud.

Therefore, if you have credit card arrears, you must repay them in time to avoid adverse effects on your life!