Yes, but it is very likely that the bank didn't really sue, so the credit card can't be returned for the time being. You can explain the reasons to the bank as soon as possible, gain understanding, and negotiate whether you can repay according to your actual situation.

Credit card malicious overdraft: refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and has not returned it for more than 3 months after repeated collection by the issuing bank.

Consequences of malicious overdraft of credit card:

1, resulting in bad credit records;

2. Interest: the daily interest is calculated at 0.05%, and the interest is calculated from the consumption bookkeeping date;

3. Late payment fee: 5% of the unpaid part of the minimum repayment amount will be used as late payment fee, which will be collected monthly;

3. The bank will sue;

4. No credit business shall be conducted in this bank within 5 years from the date of paying off debts.