As long as the repayment is overdue, a bad credit record will be generated, which will affect your application for credit business from the bank again;

If the amount is small and the circumstances are serious, the bank will collect it on its own, or the bank will File a civil lawsuit with the court;

If the amount is large and the circumstances are serious, the bank will report it to the public security organs. If the public security organs believe that the crime of credit card fraud is met, they will file a case for investigation. According to the criminal case process, from case filing, investigation to prosecution , the trial process continues, and finally the court pronounces a verdict. (Malicious overdraft is one of the circumstances of credit card fraud, which is consistent with the circumstances of malicious overdraft, such as subjective malice, objectively implemented behavior, etc. The amount is 1W of principal)

The result is that in civil terms, the bank will give You issue subpoenas and hold court. In terms of criminal matters, if the public security organ files a case and the people's court has repaid all the overdraft interest before the judgment is pronounced, the person may be given a lighter punishment. If the circumstances are minor, the punishment may be exempted; if the amount of malicious overdraft is relatively large, all the overdraft interest has been repaid before the public security organ files the case. , if the circumstances are obviously minor, criminal liability may not be pursued according to law; if you just don't pay back the money, you will definitely go to jail. In my personal opinion, the law is a cloud and repayment is the kingly rule.