This money must be repaid actively.

1. When you receive a call from someone who claims to be from the legal department of a certain bank, you first ask for his job number, then tell him that you are now recording the entire conversation, and then continue the conversation.

2. You have to tell him that you did not fabricate facts or conceal the truth in your credit card application. Get on track with bank approval, no fraud!

3. You have good repayment intentions and are willing to communicate and coordinate with the bank to formulate a repayment plan that is acceptable to everyone. This repayment plan should be formulated based on the actual situation, not what he says or how he does it. Even if you go to court and lose, the court's enforcement department will take the circumstances into consideration.

4. According to the provisions of Article 196 of the Criminal Law, the determination of malicious overdraft should have three elements, one of which is essential: first, for the purpose of illegal possession; if it is returned, but A bad economic situation does not constitute a malicious overdraft.

5. If they have "surrounding pressure" during the collection process, that is, they will look for your relatives, friends, work unit, etc. You must clearly tell them that you are an independent civil actor and that your debt is personal, not your parents or unit. Even if criminal liability is pursued, no one will bear joint and several liability.

Therefore, if a cardholder overdrafts beyond the prescribed period and fails to repay it for more than three months, it constitutes a crime of credit card fraud, and the bank has the right to file a lawsuit against the cardholder in conjunction with the local judicial authority.