The above-mentioned default credit card overdraft 1 10,000 yuan was not repaid within the prescribed time limit, and it was still not returned after being urged twice by the issuing bank for three months. Originally, credit card overdraft breach was a civil dispute between the debtor and the bank. Based on the particularity of "credit card overdraft" transaction, it is confirmed by the national legislature that if the overdrafter has the subjective intention of "illegal possession" and has no intention to pay back the money, the civil debt dispute will be transformed into a criminal offence, that is, the first part of the Criminal Law.
The nature of crime has changed from civil to criminal, and the law has its corresponding provisions in procedure. According to the provisions of the Criminal Procedure Law on the jurisdiction of criminal cases and the provisions of the Supreme People's Procuratorate and the Ministry of Public Security on the jurisdiction of public security organs, the crime of credit card fraud is a criminal lawsuit that seriously endangers the financial order, and should be investigated by public security organs and prosecuted by procuratorial organs. Therefore, after constituting a crime, the nature of the case becomes a "criminal prosecution" case that is investigated by the public security and prosecuted by the procuratorial organ.
Of course, if it is clear in advance that it is fraud, then the public security bureau will give priority to reporting the case.
I hope my answer can help you.