Legal analysis: If the debt is paid off, the bank can withdraw the lawsuit. After all, the bank only wants to repay the arrears. If the bank brings a civil lawsuit to the court, the court should decide whether to accept it within 7 days from the date of receiving the litigation materials. If the amount owed reaches the amount stipulated by law, and it is not returned for more than 3 months after being collected by the bank twice, it constitutes the crime of credit card fraud and should bear criminal responsibility.

legal basis: article 3 of the civil procedure law of the people's Republic of China. the provisions of this law shall apply to the people's courts in accepting civil lawsuits brought by citizens, legal persons, other organizations and among them for property relations and personal relations.

article 123 the people's court shall guarantee the right of prosecution enjoyed by the parties in accordance with the law. A lawsuit that conforms to Article 119 of this Law must be accepted. Those who meet the conditions for prosecution shall file a case within seven days and notify the parties concerned; If it does not meet the conditions for prosecution, it shall make a ruling within seven days and will not accept it; If the plaintiff refuses to accept the ruling, he may appeal.

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 is relatively large, it 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.