Repayment must be made as soon as possible, preferably in full. Possibly suspected of credit card fraud.

If the amount exceeds 30,000 and is overdue for three months, you will be charged twice, and if you continue to fail to repay, it will constitute a crime of credit card fraud. Depending on the seriousness of the case, you will be sentenced to a fixed term. imprisonment.

The criteria for judging illegal possession are:

(1) Knowing that one has no ability to repay and making a large overdraft that cannot be returned;

(2) Using false credit Prove that after applying for a credit card, you are overdrawn and cannot repay;

(3) After overdrafting, you avoid bank collection by hiding, changing contact information, etc.;

(4) Escape and transfer funds, concealing property, and evading repayment;

(5) Using overdraft funds to carry out criminal activities.

"Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases Obstructing the Management of Credit Cards" Article 6: The cardholder exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possession. If the card is still not returned more than three months after being called upon twice by the issuing bank, it shall be deemed a "malicious overdraft" as stipulated in Article 196 of the Criminal Law.

(1) Overdrafting a large amount of money while knowing that one has no ability to repay the repayment, which cannot be returned;

(2) Wantlessly squandering the overdraft funds, which cannot be returned;

(3) Escape after overdraft, change contact information, and avoid bank collection;

(4) Escape, transfer funds, hide property, and avoid repayment;

(5) Use Carrying out illegal and criminal activities with overdrafted funds;

(6) Other behaviors of illegally possessing funds and refusing to return them.