Bad debt in a bank means that you owe money, but you haven't paid it back, or you forgot to pay it back, which means it's overdue in the bank, so it's considered bad debt. General corporate loans are more prone to bad debts, and applicants for student loans are more likely to have bad debts. For the money that can't be contacted with the debtor or can't be recovered after dunning, it has been in a sluggish state for a long time. Whether the overdue person will be prosecuted or not, banks need to look at the reasons for overdue. If the bad debts are caused by overpayment, the bank will not sue. Bad debts are overdue. If the overdue time is long and the overdue amount is large, there is indeed the possibility of being sued by the bank.

Legal basis:

Article 196 of the Criminal Law of People's Republic of China (PRC): Whoever commits credit card fraud in any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.

Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.