Criminal aspects:
First of all, don't worry. The so-called handing over information to the public security is simply false. Because there is a crime involving this credit card called credit card fraud.
According to your card usage, to determine that you constitute this crime, you can only decide according to the malicious overdraft stipulated in it.
However, this situation also stipulates that the cardholder, for the purpose of illegal possession, exceeds the prescribed limit or overdraws within the prescribed time limit, and refuses to return it after being urged by the issuing bank twice for more than three months. This is a malicious overdraft.
Third, they can't prove the purpose of your illegal possession:
For the purpose of illegal possession: 1, knowing that there is no repayment ability and a large amount of overdraft. 2, squandering overdraft funds, unable to repay. 3. Escape after overdraft and modify contact information. 4. Concealing property, transferring funds and evading repayment. 5. Use the overdraft limit for illegal activities. 6. Others
In your case, in my opinion, it doesn't meet the purpose of illegal possession. So don't be scared by them.
Secondly, the quantity is so small. Does she really belong to her family as a policeman? If you owe more than 12000 months, the police will file a case. You are too optimistic about the work enthusiasm and efficiency of China Public Security Bureau.
Civil litigation:
Usually, in civil cases, lawyers' letters are sent first to urge them. If negotiation fails, they will go to court to sue, and they will be arranged to go to court to sue. After the schedule, they can settle out of court as long as you pay back the money. Wait a minute. I sued a company before, and it took half a year from the lawyer's letter to the final judgment of the court.
Finally:
Let's find a way to repay it. But you can negotiate with the bank about the way and time of repayment.