Isn't online lending still fraud?

If the online loan is overdue, it may constitute credit card fraud or loan fraud. Using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate, or using an invalid credit card, or fraudulently using someone else's credit card for fraudulent activities, with an amount of more than 5,000 yuan; "Malicious overdraft" refers to an overdraft that exceeds the prescribed limit or time limit and the amount is more than 10,000 yuan. Moreover, after being collected twice by the issuing bank, it is still not returned for more than three months, which constitutes the crime of credit card fraud. Malicious overdraft, the amount of which is more than 1 10,000 yuan but less than110,000 yuan, has been fully repaid before the public security organ files a case. If the circumstances are obviously minor, criminal responsibility may not be investigated according to law.