Legal analysis: Not illegal 1. As long as the money is owed, the bank may sue, which is decided by the bank; 2. If the amount owed reaches more than 10,000 and it has been approved by the issuing bank. If the amount is not returned more than 3 months after the first collection, it shall be deemed as a "malicious overdraft" under the criminal law and suspected of credit card fraud; 3. The amount of malicious overdraft is relatively large, and all the overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor. , may not be held criminally responsible in accordance with the law

Legal basis: "People's Republic of China and Civil Code"

Article 673 The borrower fails to comply with the agreed purpose of the loan If borrowing is used, the lender can stop issuing the loan, withdraw the loan in advance or terminate the contract.

Article 674 The borrower shall pay interest according to the agreed period. There is no agreement or the agreement is not clear about the period for payment of interest, and it cannot be determined according to the provisions of Article 510 of this Law. If the loan period is less than one year, it shall be paid when the loan is returned; if the loan period is more than one year, It shall be paid at the end of each year. If the remaining period is less than one year, it shall be paid when the loan is returned.

Article 676 If the borrower fails to repay the loan within the agreed time limit, he shall pay overdue interest in accordance with the agreement or relevant national regulations.