The consequence of not repaying a credit card overdraft is that you will be prosecuted by the bank. If you are found to be a malicious overdraft and the amount is relatively large, it will also constitute the crime of credit card fraud and you will be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and also be sentenced to a fine of not more than five years in prison. A fine of not less than 20,000 yuan but not more than 200,000 yuan is imposed.

Legal Basis

Article 196 of the "Criminal Law", whoever commits credit card fraud and the amount is relatively large 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 and 20 yuan. A fine of not more than 10,000 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 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; 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 five years but not more than 10 years. 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 have property confiscated.