If only the bank sued, the court issued a summons, the cardholder refused to appear in court and absconded, the bank did not report the case to the public security organ, and there was no risk of imprisonment after paying back the money.

But if you are prosecuted by the procuratorate, it is useless to pay back the money. Typical criminal suspects abscond and have been arrested and brought to justice, and will only be severely punished.