Legal analysis: If the credit card bank sues, it will incur high overdue interest and late fees; it will produce a bad credit record; it will face bank collection and may be prosecuted for criminal liability. If the cardholder forgets to repay the card and discovers it is overdue, he or she must repay the card as soon as possible, preferably in full. You can call the bank and declare that the debt is not malicious. If the overdue period is short, the bank may not record a bad record. When cardholders take the initiative to apply for an extension of repayment, the bank will often agree to the extension. The bank and the cardholder agree on a repayment plan acceptable to both parties. If you maliciously overdraw your credit card, you are suspected of credit card fraud.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China. Whoever commits credit card fraud in any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or Criminal detention and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the person 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; if the amount is particularly huge Or if there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) Using a forged credit card, or using a false identity certificate to defraud (2) Using an expired credit card; (3) Pretending to use another person’s credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. Anyone who steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.