Can I be charged of a crime with overdrafting my credit card?

firstly, you won't be charged with a crime, however it can have serious consequences. If the credit card remains unpaid for more than a few months it is likely that your debt will be transferred to a collections agency like baycorp. As a result any time anyone does a credit check on you there will be a red flag until it has been payed off for 7 years. This can affect your ability to get future lending, quite a lot of employers make a point of looking at credit history and some landlords also to credit checks prior to leasing.