Legal analysis: You can negotiate with the bank to reach a settlement. First of all, non-repayment after a credit card overdraft is a breach of contract. The bank can require the cardholder to repay the principal as well as overdue interest, late payment fees, over-limit fees, etc.; if the bank sues in court and wins, the cardholder will also have to bear the liability. Litigation costs. Secondly, if the cardholder maliciously overdrafts to a certain amount for the purpose of illegal possession and fails to repay the amount overdue, this constitutes a crime of credit card fraud and he will also bear criminal liability. Finally, overdue repayment will result in credit card fraud to the cardholder

Legal basis: Article 196 of the "Criminal Law of the People's Republic of China" Under one of the following circumstances, credit card fraud activities are carried out, the amount If the amount is relatively large, the sentence shall be fixed-term imprisonment of not more than 5 years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the sentence shall be not less than 5 years but not more than 10 years of fixed-term imprisonment, and a fine of not less than 50,000 yuan. A fine of not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than 10 years in prison or life imprisonment, and a fine not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

( 1) Using counterfeit credit cards;

(2) Using invalid credit cards;

(3) Pretending to use other people’s credit cards;

(4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the money even after being called upon by the card issuing bank.