Legal subjectivity:

If you fail to repay for a long time, you will be suspected of credit card fraud. If you have to bear criminal responsibility, the bank will report the case. If you cannot repay the loan in time, it is better to negotiate with the bank. According to Article 196 of the Criminal Law, whoever commits the crime of credit card fraud shall be sentenced to fixed-term imprisonment of not more than 5 years or criminal detention, and shall be 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 5 years or more. If the amount is particularly huge or there are other particularly serious circumstances, the offender 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 confiscation of property. 2. The sentencing standard for the crime of credit card fraud is relatively large (fraud of more than 5,000 yuan): a prison term of not more than 5 years or criminal detention, and a fine of not more than 20,000 yuan but not more than 200,000 yuan; if the amount is huge (fraud of more than 5,000 yuan) or If there are other serious circumstances: be sentenced to fixed-term imprisonment of not less than 5 years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge (fraud of more than 200,000 yuan) or there are other particularly serious circumstances: be sentenced to not less than 10 years Fixed-term imprisonment or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property. 3. Supplementary provisions on the sentencing standards for the crime of credit card fraud. In the new judicial interpretation on credit card crimes issued in 2009, the two high authorities made new additions to the sentencing standards for the crime of credit card fraud, clarifying the amount of "malicious overdraft" and "malicious overdraft". "If the amount is more than 10,000 yuan but less than 100,000 yuan, it will be deemed as a "large amount"; if it is between 100,000 yuan and 1 million yuan, it will be deemed as a "huge amount"; if it exceeds 1 million yuan, it will be deemed as a "particularly huge amount." Legal objectivity:

Article 577 of the Civil Code: If a party fails to perform its contractual obligations or performs its contractual obligations inconsistently with the agreement, it shall bear liability for breach of contract such as continuing to perform, taking remedial measures, or compensating for losses. Article 675 The borrower shall repay the loan within the agreed time limit. If there is no agreement on the loan period or the agreement is unclear, and it cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; the lender may urge the borrower to return it within a reasonable period of time. Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant national regulations.