Credit card or civil case or criminal case?

Whether it constitutes a crime is uncertain and needs to be determined according to specific circumstances. If a credit card fails to pay back a large amount (the principal is more than 50,000 yuan) and is overdue for more than three months, it is a malicious overdraft of the credit card and constitutes a crime of credit card fraud. If the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years; If the amount is huge, he shall be sentenced to fixed-term imprisonment of not less than 5 years 10 years. If all debts can be paid off in time before the judgment, criminal punishment may be mitigated or exempted.