When a credit card (debit card) receives a summons, it is usually because the bank is suing it for being overdue. It is not directly related to the amount of debt owed, but the nature of the lawsuit is different between those under 50,000 and over 50,000. different.

If you are prosecuted if the principal amount of credit card (debit card) debt exceeds 50,000, it is generally a criminal proceeding, that is, malicious overdraft of a credit card (debit card) constitutes the crime of credit card (debit card) fraud, which is very common. Criminal liability may be pursued; credit card (debit card) debts with a principal of less than RMB 50,000 are civil lawsuits. You only need to repay after prosecution, and there is basically no need to worry about going to jail.