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万金油
2025-05-22法律分析：根据实际情况而定。虽然在法律上有“联名起诉”，但是一般适用于一般民事诉讼，而信用卡逾期不能等同于一般民事诉讼。当逾期时间超过规定时间，经过2次以上有效催收，金额（本金）超过5万仍然拒不归还的，就属于恶意透支，涉嫌信用卡诈骗罪，案件将转换成刑事诉讼附带民事赔偿，即以刑事立案为优先。"}]，"clamp":2}]，"isSingleLine":false}，"isPc":true，"summarySpan":12，"rightGrid":0，"hasBottom":null，"consistencyUpgrade":false，"pageStyleUpgrade":false，"style":"\n -\-bottom-gap: .03rem；\n "，"styles":{"content-gap":"content-gap_3jlQr"，"contentGap":"content-gap_3jlQr"，"summary-margin-top":"summary-margin-top_1GkNs"，"summaryMarginTop":"summary-margin-top_1GkNs"}，"$style":{"rate":"rate_1rWsX"，"star":"star_3CRDa"，"rate-text":"rate-text_6JWkw"，"rateText":"rate-text_6JWkw"，"label-gap":"label-gap_4Da6R"，"labelGap":"label-gap_4Da6R"，"summary-gap":"summary-gap_3Jb4I"，"summaryGap":"summary-gap_3Jb4I"，"title-summary":"title-summary_2Rg4n"，"titleSummary":"title-summary_2Rg4n"，"summary-bottom":"summary-bottom_2tl1f"，"summaryBottom":"summary-bottom_2tl1f"，"has-left-image":"has-left-image_7vJnQ"，"hasLeftImage":"has-left-image_7vJnQ"，"sumamry-row-cos-style":"sumamry-row-cos-style_23hGa"，"sumamryRowCosStyle":"sumamry-row-cos-style_23hGa"，"summary-text":"summary-text_560AW"，"summaryText":"summary-text_560AW"}，"moveTitle":false，"microTagData":{}，"structMarginTop":""，"titleCls":""，"summaryParams":{"data-module":"abstract"}}-->
答案: 法律分析：根据实际情况而定。虽然在法律上有“联名起诉”，但是一般适用于一般民事诉讼，而信用卡逾期不能等同于一般民事诉讼。当逾期时间超过规定时间，经过2次以上有效催收，金额（本金）超过5万仍然拒不归还的，就属于恶意透支，涉嫌信用卡诈骗罪，案件将转换成刑事诉讼附带民事赔偿，即以刑事立案为优先。
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