It is estimated that there are tens of thousands. The annual interest rate is 18%, and the interest is continuously incorporated into the principal, and there will be liquidated damages. Has been suspected of credit card fraud. If the bank calls the police, the police can always bring someone. If the loan is not repaid, it will be a civil dispute at most. If the credit card is in arrears for a long time, it is called credit card fraud and criminal offence. Repay in time, a big mistake is hard to make up.