As long as the credit card is overdue, it may be prosecuted. If the perpetrator has fraud and is suspected of credit card fraud, he may be detained criminally. If an ordinary borrower fails to repay the loan on time, it shall pay a certain amount of overdue interest in accordance with the agreement or relevant national regulations, and bear the liability for breach of contract.
 Legal basis
 Article 676 of the Civil Code of the People's Republic of China
 If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or the relevant provisions of the state.

 Article 678 of the Civil Code of the People's Republic of China
 The borrower may apply to the lender for extension before the repayment period expires; The term may be extended with the consent of the lender.

 Article 667 of the Civil Code of the People's Republic of China
 A loan contract is a contract whereby the borrower borrows a loan from the lender, returns the loan and pays interest when due.