Guangdong Delu sent a text message requesting to return the flowers.

Legal analysis: 1. When you receive a person who claims to be the legal department of the bank, you should first ask his job number, and then tell him that you can record the whole conversation now, and then continue to talk.

You should tell him that you didn't fabricate facts to hide the truth when you applied for a credit card. It was approved by the bank on the right track and there was no fraud.

3. You have a good repayment desire and are willing to communicate and coordinate with the bank to make a repayment plan acceptable to everyone. This repayment plan should be made according to the actual situation, no matter what he says. Even if you lose the lawsuit, the court executive court will consider the situation comprehensively.

4. If there is "external pressure" in their collection process, that is to say, they are in trouble with your relatives, friends and work units. You should tell them categorically that you are an independent civil actor and your debt is personal, not your parents' or your company's. Even if criminal responsibility is to be investigated, no one will bear joint and several liability.

Legal basis: The determination of malicious overdraft in Article 196 of the Criminal Law has three elements, all of which are indispensable. One is for the purpose of illegal possession, the other is overdue, and the third is not returned after collection. You paid it back, but if the economic situation is not good, it does not constitute a malicious overdraft.