Credit card arrears of more than 5,000 yuan are generally not prosecuted, and 5,000 yuan is enough for prosecution standards. 1 0,000 yuan is enough for sentencing standards. If you are sure that you are being sued, you should actively respond to the lawsuit. As long as you know that you are willing to repay now, you won't go to court for the time being and won't be arrested and sent to jail. If the bank brags that it will sue you, it means that there is no prosecution. Then what you have to do now is to actively repay the debts below 5,000 yuan and strive to pay them back every month, so that the bank will think that you are striving for repayment, and the amount is less than 5,000 yuan, and it is very likely that you will not be prosecuted. For users with credit card arrears, banks generally deal with:

1, I won't send you a lawyer's letter or stop the card.

2. The unpaid part (paid in full by some banks) is charged with interest at the rate of five ten thousandths per day, until one day, you find that your credit card unconsciously owes a lot of money, but you didn't spend that much. Then, the interest rate has made you feel terrible.

At this time, as long as all the money is returned, nothing will happen. If you don't pay it back, the bank will call for money first, and if the phone doesn't work, it will send a letter to warn you.

If you still ignore it, you will be sent a lawyer's letter, and finally a court summons.

5. If the court decides that you maliciously overdraw your credit card. May face punishment.

Article 196 of the Criminal Law Whoever 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 especially 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 confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph 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.