One: the bank doesn't go home to pay back the credit card debt. The bank will call you to repay the loan first. If you owe thousands of dollars, and repeated urging is ineffective or you can't get in touch, you can bring a lawsuit to the court, and the court will issue a summons to your family. As long as the debt is paid, there will be no big problem, but the bank credit will be gone within a few years. If you don't change, you will be detained and sentenced.

Two: If the credit card is overdue for more than three months or the bank has failed to repay it twice, the bank will freeze your card, list you as a prohibited customer (blacklist), and will also sue you for credit card fraud and malicious overdraft, which will be enforced by the court. If a person refuses to repay the loan after prosecution, and the amount owed exceeds 1000, the court will impose a sentence according to the crime of credit card fraud in the criminal law.

1, as long as the money is owed, the bank may sue, which is decided by the bank;

2. If the amount owed reaches 1 10,000 yuan or more, and it has not been returned for more than 3 months after being collected twice by the issuing bank, it shall be deemed as "malicious overdraft" in criminal law and suspected of credit card fraud;

3. The amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files the case. If the circumstances are obviously minor, criminal responsibility may not be investigated according to law.

4. Legal basis: Article 196 of the Criminal Law has one of the following circumstances, which constitutes the crime of credit card fraud and theft. If the amount of credit card fraud 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; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(1) Using a forged credit card;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.

5. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.

6. Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management Article 6 If a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession and fails to return it for more than three months after repeated reminders from the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.