Both objectively cause overdrafts, but the perpetrators of good-faith overdrafts have the subjective intention to use them first and pay back the overdrafts and interest at that time, while the perpetrators of malicious overdrafts overdraft are guilty of illegal fund-raising and will repay the overdrafts. They take it for themselves, do not want to repay it or are unable to repay it, and resort to absconding to avoid debt. According to the provisions of the Criminal Procedure Law, if a credit card is used to defraud the victim, the victim can collect evidence related to the fraud, such as transfer records, consumption records, etc.; and then report the case to the public security agency, allowing the public security agency to intervene in the investigation and hold the fraudster criminally responsible. I hope the above content can be helpful to you. If you have other questions, you can click the button below for consultation, or go online to consult a professional lawyer. The law is objective: Article 266 of the Criminal Law of the People's Republic of China: Whoever defrauds public or private property and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or solely be fined; if the amount is huge or If there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years, and shall also be fined; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall be fined or his property shall be confiscated. If this law provides otherwise, the provisions shall prevail.