Legal analysis: failure to pay the minimum repayment amount will lead to overdue. At this time, the bank will urge the cardholder to repay by SMS, telephone, etc. , will be regarded as overdue processing. If it is not paid for many months in a row, it is overdue for many times. At this time, the bank will take certain measures. If it is overdue for many times or maliciously refuses to repay, it will be blacklisted, which will bring great inconvenience to daily life.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and 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.