If the loan period has expired and has not been returned after the bank's dunning, the bank may bring a lawsuit to the people's court according to law and use legal weapons to safeguard its legitimate rights and interests.

For the purpose of illegal possession, it is suspected of credit card fraud if it exceeds the prescribed limit or overdraws within the prescribed time limit and refuses to return it after being collected by the issuing bank. Credit card fraud is a criminal offence. The public security organ files a case for investigation and the procuratorate examines and prosecutes. Therefore, if you are suspected of credit card fraud, the bank can report it to the public security organ, and the public security organ will file a case first.

Extended data:

If the loan period has expired and the lender still fails to repay the loan after being urged, the lender may bring a lawsuit to the people's court according to law and use legal weapons to safeguard his legitimate rights and interests. Lenders should pay attention to the limitation of action when suing. Article 135 of the General Principles of the Civil Law stipulates: "The limitation of action for requesting protection of civil rights from the people's court is two years."

If the limitation of action exceeds two years, the people's court will not accept it, and the lender's creditor's rights will lose legal protection. In order to prevent the statute of limitations from exceeding, the lender may require the borrower to write a repayment plan before the expiration of the statute of limitations, thus interrupting the statute of limitations. According to the law of our country, the new limitation of action is recalculated from the date of interruption, so that the lender not only has the right to sue, but also can continue to enjoy the right to win the case, which is conducive to protecting the legitimate rights and interests of the lender.

When suing, creditors should probably pay attention to the following evidence: evidence about the debtor's subject qualification, contracts or agreements, bills of lading (which must be signed by the debtor), consignment notes, IOUs and various settlement bills. , and other telegrams, faxes and letters related to debts shall be properly kept. The evidence collected shall be provided to the people's court in a timely manner.

For evidence that may be put out of fire due to special circumstances or difficult to obtain later, you can apply to the people's court for evidence preservation in time; For evidence that cannot be collected by itself due to objective reasons, you can apply to the people's court for investigation and collection in time.

Reference: People's Daily Online-"High-profile Collection of Overdue Credit Cards by Banks"