Nowadays, credit card loans have become a very important loan method and have a very large number of users. At the same time, there are also a large number of overdue loans. If some friends want to know if their credit card loans are overdue, is it considered a credit card fraud? We all know that credit card fraud refers to the malicious overdraft of a credit card for the purpose of illegal possession. The credit card is overdue for more than 3 months and fails to repay after two valid bank collections. If the principal amount owed exceeds 50,000 yuan, you will be sentenced. In order to meet the large cash loan needs of cardholders, banks will provide some high-quality customers with a special loan limit, which is several times higher than the credit card limit. This is a credit card loan, which is essentially a kind of loan, but it cannot be said that this Failure to repay the loan does not count as credit card fraud and needs to be considered on a case-by-case basis. 1. Have an independent account: If the credit card loan limit is independent, an independent account will be opened after the application is successful, and it will be recorded in the credit report in the form of a consumer loan. The repayment needs to be repaid to the opened account. If it is not returned to the credit card account, this kind of non-repayment is not considered credit card fraud. However, malicious overdue payment will constitute the crime of loan fraud, that is, for the purpose of illegal possession, fabricating false reasons for introducing funds, projects, etc., using false economic contracts, using false certification documents, using false property rights certificates as guarantees, exceeding the value of the collateral Repeated guarantees or other methods to defraud banks or other financial institutions for loans of larger amounts. 2. No separate account: If the credit card loan has an exclusive loan limit, but no separate account is opened, the monthly repayment amount will be included in the credit card bill after the application is successful, and only the credit card repayment amount will be displayed on the credit report. Malicious overdrafts in this situation may also be considered credit card fraud, and criminal liability may also be pursued if the principal is greater than 50,000 yuan.