If you default on your credit card for a long time, the bank will think that you owe money maliciously. If you don't repay for many months in a row, you will be sued by the bank and ruled that you owe money maliciously. Credit records can also be very bad. If it is serious, it will be sentenced.

Overdrawing in excess of the prescribed limit or within the prescribed time limit, and failing to pay it back for more than three months after being collected twice by the issuing bank, is a malicious overdraft and a crime of credit card fraud.

According to the criminal law, a malicious overdraft of a credit card of more than 5,000 yuan constitutes a crime of credit card fraud and can be sentenced to fixed-term imprisonment of not more than three years; Malicious overdraft of more than 50,000 yuan and less than 200,000 yuan is a huge amount, and may be sentenced to fixed-term imprisonment of more than 5 years 10 years; More than 200,000 yuan is a huge amount, and the sentence exceeds 10 years.

These are some rules, you know, you have a number in mind. It is better to pay back the money as soon as possible.