Malicious overdraft of credit card refers to the behavior that the cardholder overdraws beyond the prescribed limit or term for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Under normal circumstances, malicious overdraft is a breach of contract, and you need to bear the liability for breach of contract according to the credit card collection contract.

Malicious overdraft method:

First, the overdraft exceeds the prescribed limit, that is, it exceeds the provisions of the credit card charter or the overdraft limit allowed by the issuing bank.

Second, the overdraft exceeds the prescribed time limit, that is, the principal and interest are not returned within the prescribed time. Generally speaking, malicious overdraft of credit cards will leave a bad credit record in the issuing bank, which will affect the personal credit of cardholders.

Malicious overdraft features:

(1) exceeds the overdraft limit. Whether it exceeds the overdraft limit depends on whether the credit card account balance exceeds the limit;

(2) Failing to repay the overdraft principal and interest within the prescribed time limit and continuing to overdraw;

(3) Failure to obtain the license authorized by the issuing bank before exceeding the limit or overdue overdraft, including evading authorization, forging authorization and defrauding authorization;

(4) The overdrafter subjectively has the intention of illegally occupying the card issuing funds.