Those who fail to repay credit card debt for a long time will be prosecuted, which involves the crime of credit card fraud. The Supreme People's Court and the Supreme People's Procuratorate jointly issued the "Interpretation on Several Issues Concerning the Specific Application of Laws in Criminal Cases of Obstructing Credit Card Management", calling the bank's failure to repay two collections in March a malicious overdraft. 1. First, in the judicial interpretation, two restrictions were added to "malicious overdraft": first, two collections from the issuing bank; second, failure to return the card for more than three months. 2. Second, because the credit card fraud crime of "malicious overdraft" is an intentional crime, it subjectively has the purpose of illegal possession, which is a very important component of the behavior. 3. Third, this judicial interpretation clarifies the amount of "malicious overdraft". The amount of "malicious overdraft" refers to the amount that has been refused to be returned and has not yet been returned, excluding late payment fees, compound interest and other fees charged by the card-issuing bank.