the bank and AliPay can only find your phone number and residence information through the public security organ, and contact you to urge you to repay. If you don't pay back the money, they will sue, inform the public security bureau that you are suspected of credit card fraud, and the public security organ will issue a document to check your phone number, bank, entry and exit, real estate and other information. If you are able to repay the money or find that you have transferred assets, you will submit the information to the court for arrest, and then the bank and the public prosecution organ will jointly prosecute.