Legal analysis: If a criminal case is filed, the principal owed must reach at least 50,000 yuan, and the credit card is maliciously overdrawn (overdue for more than 3 months, and has been effectively collected twice by the bank). If the case is filed, criminal responsibility may be investigated. If a person is sentenced for credit card fraud, he will go to prison in nine situations. But when a civil case is filed, there are not so many requirements. No matter how much and how long you owe, the bank can go to court to sue you for repayment. As long as the bank files a lawsuit, the court will file a case and ask you to pay off the debt. If you don't pay it back, you won't be sentenced, but you may be included in the person who has lost your trust, which is commonly known as Lao Lai. No matter how much you owe, you can negotiate with the bank for repayment before the judgment. After all, the final result of bank filing is to let you repay. If it is really because of special circumstances, you can negotiate with the bank to stop paying and repay it after five years.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan, or if there are other serious circumstances, it shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or if there are other particularly serious circumstances. Sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and concurrently fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) fraudulently using another person's credit card; (4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.