Legal analysis: First, if the amount charged by the bank is wrong, you should submit relevant evidence to the court within the time limit stipulated by the court in time, so that the court can find out the facts and safeguard your interests. Second, if the amount is correct, try to negotiate with the bank and try to reach an installment repayment agreement to reduce the repayment pressure. In addition, if you still don't take the initiative to perform after the court's judgment, the court will enforce and dispose of your property according to law. You can limit high consumption and join the list of untrustworthy people, which will have a serious impact on credit activities such as life, work and loans in the future.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits the crime of credit card fraud under any of the following circumstances. If the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan, or if there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or if there are other particularly serious circumstances, he shall also be fined.