Legal Analysis: Bad Credit Record. Credit card users who repay late will be recorded in their bad credit record. Credit card users who repay overdue will be recorded as bad credit records, and the basic database of personal credit information has been networked nationwide. Facing criminal prosecution, if the user fails to repay after two months of overdraft, the bank will call the user to remind the user to repay. If the loan is not repaid, the bank will ask a lawyer to issue a lawyer's letter to the user. If the repayment is not made, the bank will report the case and be suspected of committing credit card fraud.

Legal basis: Article 266 of the "Criminal Law of the People's Republic of China" Whoever defrauds public or private property, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or surveillance, and shall also be sentenced to or A fine shall be imposed alone; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years, and shall also be fined; if the amount is particularly huge or 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. money or confiscation of property. If this law provides otherwise, the provisions shall prevail.