The overdue payment of an online loan may constitute a credit card fraud or loan fraud. The use of counterfeit credit cards, or the use of fraudulently obtained credit cards with false identification, or the use of invalid credit cards, or fraudulent use of other people's credit cards, fraudulent activities, the amount of more than 5,000 yuan; "malicious overdraft", overdraft in excess of the prescribed limit or the prescribed period of time, the amount of more than 10,000 yuan. And after two reminders by the card-issuing bank, more than three months still do not return, constitute the crime of credit card fraud. Malicious overdraft, the amount of more than 10,000 yuan less than 100,000 yuan, in the public security organs before the filing of the case has repaid all the overdraft interest, the circumstances are significantly less serious, you can not be held criminally liable according to law.