1. According to Article 196 of the Criminal Law, a malicious overdraft of a credit card with a large amount constitutes the crime of credit card fraud and should bear criminal responsibility according to law.
Your credit card is overdue, which does not constitute malicious overdraft. Moreover, according to Article 54 of the Provisions of the Ministry of Public Security of the Supreme People's Procuratorate on the Standards for the Prosecution of Criminal Cases under the Jurisdiction of Public Security Organs, a malicious overdraft of 10,000 yuan will constitute the crime of credit card fraud, so you do not constitute the crime of credit card fraud and do not need to bear criminal responsibility.
When you sign a credit card contract with the bank, you should repay the loan within the time limit stipulated in the contract, otherwise you will be liable for breach of contract.
4. According to Article 107 of the Contract Law, your overdue repayment bank may require you to continue repayment or claim compensation for losses, and the general bank will calculate interest on your overdue repayment.
You should pay back to the bank in time and pay some interest to the bank as agreed, but you don't have to bear criminal responsibility. 6. I suggest you negotiate the repayment relationship with the bank. If negotiation fails, you can bring a lawsuit to the court.