Article 196 of the Criminal Law stipulates that malicious overdraft constitutes the crime of credit card fraud.

The so-called malicious overdraft refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and still not returning the card after being called by the card-issuing bank.

Take the initiative to go to the bank to repay the money. The bank will explain that the lawsuit is still a civil lawsuit. Try to resolve it as quickly as possible. If the police open a case for investigation, it will be troublesome. Then it will not be a matter of just paying back the money