If the payment is overdue for more than three months or the bank makes more than two reminders, the bank will freeze your card and list you as a prohibited customer (blacklist). At the same time, it may be sued for credit card fraud and malicious overdraft, which will be enforced by the court. If you refuse to repay the loan after prosecution, and the amount owed exceeds 1 000, the court will impose a sentence on the crime of credit card fraud according to Article 196 of the Criminal Law! \ x0d \ x0d \ Article 196 of the Criminal Law stipulates that anyone who commits credit card fraud under any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also 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 fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he 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 his property shall be confiscated: \x0d\ (1) using a forged credit card or using a credit card fraudulently obtained with false identification; \x0d\ (2) An invalid credit card was used; \x0d\ (3) Fraudulent use of other people's credit cards; \x0d\ (4) Malicious overdraft. \x0d\ Malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.