1. There are many users in the bank, and there are also many users who have broken their promises. If everyone chooses to sue, the bank will be very embarrassed and it will not be so easy to sue. Need to sort out a series of materials and wait in line. After all, there are many people suing;

Banks are actually more willing to get the money back through collection. After all, it is better to keep the cash in your own hands, and even if you sue, some users can't take it out at all, because many may be desperate, so they don't pay back the credit card money. At this time, even if they report to the prison, there is not much benefit;

3. Banks will not sue these people unless they have to. For overdue users, banks will also report them to the national credit information system. It will be very difficult for such people to buy a house loan or handle business in the future.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC).

Under any of the following circumstances, it constitutes the crime of credit card fraud, and 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; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.