If you don't pay back the consumption of 2000~~ a year, the interest, late payment fee and over-limit fee will be a little too much. The bank issued a court summons to you. This is also normal. And a fine. You have to hand it in. As for the threats they said, there are some threats, but they are not all nonsense. According to national laws, spending more than 5,000 yuan on a credit card in March is fraud, and you can be sentenced to six months to one and a half years. Less than 5000 is not enough for sentencing, which constitutes criminal responsibility. But if they really sue you in court, you will have to pay a large fine.

In your case, you'd better return the money from the bank as soon as possible. Isn't it 3200 yuan? Find relatives and friends to do something. If you really sue the court, you may be fined 20 thousand.

It's no use suing them. If you sue them, they will really take you to court, and then your fine is inevitable. If you sue them, their words and deeds are at best excessive, which won't do them much harm. The purpose of the bank is to make you pay back the money, and when you pay back the money, it will be solved.

The country is so big ~ there will be many situations like you, and the bank will not tell you that they may spend more money than you have to pay back. But it won't be ignored, or if others don't return the card, the bank won't lose a lot, and it will also pull one or two out to make an example in court.

What's more, you must have been blacklisted by the People's Bank of China, and you hardly have a chance to get a card or a loan.