Hello. I want to ask about my Ping An Bank credit card, which is overdue for one year. I owe more than 6 thousand. But there is not so much money to pay back now. Now it is

Q: Hello. I want to ask about my Ping An Bank credit card, which is overdue for one year. I owe more than 6 thousand. But there is not so much money to pay back now. Now I have received the short message of prosecution, but I haven't received the documents of prosecution. I want to ask what to do in this situation.

A: The Scout Law Online Consultation will answer your question.

1, as long as the money is owed, the bank may sue, which is decided by the bank;

2. If the amount owed reaches 1 10,000 yuan or more, and it has not been returned for more than 3 months after being collected twice by the issuing bank, it shall be deemed as "malicious overdraft" in criminal law and suspected of credit card fraud;

3. The amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files the case. If the circumstances are obviously minor, criminal responsibility may not be investigated according to law.