If you owe less, you can't collect debts from you under normal circumstances.

But your credit in the banking system will be affected, because everyone who has applied for a credit card will have a credit record in the People's Bank of China.

Generally, you don't pay back the money on this card. Unless you really don't want to get a card, you can't get a credit card in your life.

They will sue you if the amount is large.