if you refuse to accept the judgment of first instance, you can appeal to the next higher level within 1 days after receiving the judgment. Defendants, private prosecutors and their legal representatives have the right to appeal to the people at the next higher level in writing or orally if they refuse to accept the judgment or ruling of first instance of local people at all levels. Defenders and close relatives of the defendant may appeal with the consent of the defendant. The parties to an incidental civil action and their legal representatives may appeal against the part of the incidental civil action in the judgment or ruling of first instance of local people at all levels. The defendant's right of appeal shall not be deprived under any pretext.

the treatment of credit card arrears: 1. installment of bills; 2. Minimum repayment: no handling fee but no interest-free period. If the repayment is overdue, it will generate late fees and interest, and it will affect personal credit. Anyone suspected of engaging in credit card fraud shall be prosecuted under any of the following circumstances: 1. Using a forged credit card, or using an invalid credit card, or using someone else's credit card to engage in fraud activities, with an amount of more than 5, yuan; 2, malicious overdraft, the amount of more than five thousand yuan.

credit cards that are in arrears should be returned in time, otherwise they may be sued by banks and blacklisted, and those with large amounts may be considered as credit card fraud and may be sentenced. Therefore, everyone must make rational consumption when spending, and owing money will still affect credit reporting.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China * * * commits credit card fraud under any of the following circumstances, and if the amount involved 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 2, yuan but not more than 2, 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 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the act that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and still refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.