Legal analysis: If the credit card debt is not repaid for more than three months, it will be regarded as a malicious overdraft, and the bank can initiate judicial proceedings. According to the relevant provisions of my country's "Criminal Law", if a credit card overdraft exceeds 5,000 yuan, the debt is in arrears for more than 3 months, and the bank refuses to repay after three or more calls, the judicial authorities may take corresponding measures (sentence of more than 5,000 yuan, Criminal detention for less than 5,000 yuan). If you maliciously fail to repay the loan after the due date, not only will you be restricted from taking out a loan to buy a house or a car, but your ability to go abroad or find a job will also be affected, and even your spouse's credit report will be affected.

Legal basis: "Criminal Law of the People's Republic of China" Article 287 Whoever uses information networks to commit one of the following acts, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also To impose or solely impose a fine:

(1) Establishing websites or communication groups for committing fraud, teaching criminal methods, making or selling prohibited items, controlled items and other illegal and criminal activities;

(2) Publish information about the production or sale of drugs, guns, obscene materials and other prohibited items, controlled items or other illegal and criminal activities;

(3) Publish information for the purpose of committing fraud and other illegal and criminal activities .

If a unit commits the crime in the preceding paragraph, the unit shall be fined, and the person directly in charge and other directly responsible personnel shall be punished in accordance with the provisions of the first paragraph. If the acts in the preceding two paragraphs constitute other crimes at the same time, they shall be convicted and punished in accordance with the provisions of heavier penalties. Whoever, knowingly knowing that others are using information networks to commit crimes, provides technical support such as Internet access, server hosting, network storage, communication transmission, etc. for their crimes, or provides advertising promotion, payment and settlement, etc., shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention if the circumstances are serious. , and concurrently or solely with a fine