Legal analysis: owing credit card money to become an old lai needs to meet certain conditions. Credit card arrears of 2000 yuan were sued after being collected and not exchanged, and were listed as untrustworthy executors by the court and became Lao Lai. If you owe 654.38+00000 yuan, and you still don't pay it back for more than 3 months after being collected by the bank twice, it constitutes the crime of credit card fraud and should bear criminal responsibility.

Legal basis: "Several Provisions on Publishing the Information of the List of Executed Persons with Bad Faith" Article 1 If the executed person fails to perform the obligations specified in the effective legal document and has one of the following circumstances, the people's court shall include him in the list of executed persons with bad faith and impose credit punishment on him according to law: (1) If he has the ability to perform and refuses to perform the obligations specified in the effective legal document; (2) Obstructing or resisting execution by forging evidence, violence or threats; (3) evading execution by means of false litigation, false arbitration or concealing or transferring property; (4) Violating the property reporting system; (5) Violating the consumption restriction order; (6) refusing to perform the settlement agreement without justifiable reasons.