The bank sends a notice of compulsory deduction by SMS.

Legal analysis: 1. If your overdraft limit is too high, it may be suspected of credit card fraud. It is recommended to pay attention to this case.

2. According to the relevant laws and judicial interpretations, "malicious overdraft" refers to the behavior of the cardholder for the purpose of illegal possession, or knowing that it is unable to repay, the overdraft amount greatly exceeds the amount allowed by the credit card to avoid tracing, or not returning it within 3 months from the date of receiving the reminder notice from the issuing bank. Malicious overdraft of more than 5,000 yuan is "a large amount"; Malicious overdraft of more than 50 thousand yuan belongs to "huge amount"; Malicious overdraft of more than 200,000 yuan belongs to "extremely huge amount"

3. The above is the explanation of malicious overdraft of credit card fraud, and this case has been suspected of a criminal offence.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.