Step 1: See if you have the repayment ability. If you are sued by the bank because your credit card has not been paid, first, see if you have enough funds to repay, and then make a repayment plan according to the specific situation. Step 2: Pay off the debt as soon as possible or negotiate with the bank. If you have enough repayment ability, you should repay it as soon as possible. Bank prosecution is often just to let the parties repay as soon as possible, which is a civil dispute. So as long as the debt is paid off, there will be no big problem, and the parties do not need to bear any criminal responsibility. Although you may have left a bad credit record on the credit report, it is good to raise your credit slowly afterwards. But if you don't have enough repayment ability, you should also consult with the bank as soon as possible. As long as you express your willingness to repay actively, the bank will usually accommodate you for a period of time to repay, and it is also very likely to withdraw the lawsuit. As long as you agree with the bank on the repayment period, you can make repayment according to the agreed repayment plan. Legal objectivity:

Article 196 of the Criminal Law of the People's Republic of China commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, 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 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) Malicious overdraft.