2. According to the new criminal law, if the overdraft amount of a credit card exceeds 5,000, the overdraft time exceeds 90 days, and there are false, stolen or information after repeated collection, it can be judged as malicious overdraft, and the nature is fraud. Banks have the right to prosecute fraud and theft and joint civil actions.

As for the bad debts formed by enterprise loans, as long as the loans conform to the procedures and there is no fraud, it does not constitute fraud. The bank will only handle your collateral. If it is a legal person, it will only take the limited assets of the company as the bottom line, and everyone will not be recovered. I'm not going to jail either.