One: Conviction, your behavior has constituted the crime of credit card fraud, if you have filed a case for investigation. The consequences are serious, and the sentencing of this crime is still very heavy, mainly depending on the amount involved and the specific circumstances of the crime. More than 10 thousand means a large amount, but your plot is not serious. The most important thing is that you have paid the debt. Second, the fine is also determined according to the amount involved. Third, the best way and ideal is to reach a deal with the victim and let him cancel the alarm immediately, saying that relatives and friends helped him forget it, and now it has been solved. But it is very difficult to do this. But it is also important to win the understanding of the victims. Fourth, as long as the money is paid off, the bank will not take the initiative to find trouble with you or the victim. Because you use someone else's name to apply for a credit card and overdraw it, this behavior is a crime. If the victim has called the police as you said, as long as the police accept it, it will definitely become an incident. The rest is to see if I can catch you. If you are seriously ill for more than three years. Probation is possible under other favorable conditions, such as a good attitude of pleading guilty, and it is best to fight for public security from criminal charges. But you need connections.