Is it true that CITIC Bank's credit card asset preservation WeChat?

No, it is a breach of contract not to repay after the credit card is overdrawn. The bank may require the cardholder to repay the principal, overdue interest, late payment fee and over-limit fee, etc. If the bank sues the court and wins, the cardholder will also bear the litigation costs. Secondly, if the cardholder maliciously overdraws a certain amount for the purpose of illegal possession and fails to pay it back within the time limit, which constitutes the crime of credit card fraud, he should also bear criminal responsibility. (The overdue payment is more than 10000, and it has not been returned for more than three months after being urged twice by the issuing bank, which is suspected of credit card fraud. Finally, overdue repayment will leave a bad credit record for the cardholder, which will affect the smooth progress of the cardholder's future loan and other behaviors.