Legal subjectivity:

1. As long as it is overdue, you will be prosecuted after a certain period of time. When the cardholder's overdraft exceeds the prescribed period and has been called for twice by the card-issuing bank, Failure to return the credit card for more than three months constitutes a crime of credit card fraud. The bank has the right to cooperate with local judicial authorities to criminally prosecute the cardholder. 3. After the court ruling, if you refuse to repay, you will go to jail. The debt of 50,000 yuan meets the sentencing standard for credit card fraud. If the debt amount is less than 50,000 yuan, he will not go to jail. Legal objectivity:

Article 122 of the Civil Procedure Law must meet the following conditions: (1) The plaintiff is a citizen, legal person or other organization that has a direct interest in the case; (2) There is a clear defendant; (3) There are specific litigation claims, facts and reasons; (4) It falls within the scope of the people's court to accept civil litigation and the jurisdiction of the people's court subject to the lawsuit. Article 126 The People's Court shall protect the litigants' right to sue in accordance with the law. Prosecutions that comply with Article 122 of this Law must be accepted. If the case meets the conditions for prosecution, the case shall be filed within seven days and the parties shall be notified; if the conditions for prosecution are not met, a ruling shall be made within seven days and the case will not be accepted; if the plaintiff is dissatisfied with the ruling, he may appeal.