Answer: It depends on the amount you owe. If it is less than 10,000, don’t worry too much. Except for bad credit, interest and late fees, no lawsuit will be filed. If it exceeds 10,000, the following is a reference:

Article 54 of the "Standards for Filing and Prosecution (2)" clearly stipulates that anyone who engages in credit card fraud and is suspected of one of the following circumstances shall file a case for prosecution:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification, or using an expired credit card, or falsely using another person’s credit card to conduct fraudulent activities, with the amount exceeding 5,000 yuan;

(2) Malicious overdraft, amounting to more than 10,000 yuan.

The "Standards for Filing and Prosecution (2)" also points out that the "malicious overdraft" stipulated in this article means that the cardholder overdrafts beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and the card-issuing bank has approved the overdraft. Failure to return the money more than three months after the first collection.

If the amount of a malicious overdraft is between 10,000 yuan and less than 100,000 yuan, all the overdraft interest has been repaid before the public security organ files a case. If the circumstances are obviously minor, criminal liability may not be pursued in accordance with the law.