If it constitutes a crime of credit card fraud, it should be handed over to the court for trial and sentencing and sent to the police for trial.

If you don't pay back in good faith, not only will the loan for buying a house and a car be restricted, but also the job search abroad will be affected, and the credit of your spouse may also be affected. There is such a provision about credit card crime in the criminal law: if the overdraft exceeds the prescribed limit or time limit and is not returned for more than 3 months after two collections, it is characterized as malicious overdraft. Those who maliciously overdraw 1 10,000 or more and are dissatisfied with 1 10,000 are deemed to be relatively large, and shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention; From 65438+ 10,000 to 1 10,000, the amount is huge, and the sentence is more than five years 10 years.