Legal analysis: CITIC Bank will be prosecuted if it fails to return it for more than 3 months. As the credit card has not been repaid, its legal consequences mainly include:

1, which will generate high overdue interest;

2. You will be sued by the bank to the court, and you will have economic losses such as legal fees and attorney fees;

3. Individuals will have bad credit records, which will have an impact on future bank cards and loans;

4. The amount owed is more than 6,543,800 yuan, which constitutes the crime of credit card fraud and should be investigated for criminal responsibility.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits the crime of credit card fraud under any of the following circumstances. If the amount of credit card fraud is relatively large, he 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.