In fact, credit card filing depends not only on the amount owed, but also on the reasons for bank prosecution. Under normal circumstances, if the credit card does not repay, the bank will sue the cardholder through civil and criminal proceedings. 1. Civil litigation: regardless of the amount, the court will generally accept it, and those who refuse to repay it will be classified as untrustworthy enforcers. 2. Criminal proceedings: the arrears of 5,000 yuan will not be filed, because the sentencing standard for malicious overdraft of credit cards cannot be reached. Generally, the principal owed by a credit card is more than 50,000 yuan, and only after the subjective purpose of illegal possession, effective collection by the bank twice, and overdue for more than 3 months, can it be considered as a malicious overdraft credit card and filed for credit card fraud. Legal basis: Article 8 of the Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management, if the amount of malicious overdraft is more than 50,000 yuan but less than 500,000 yuan, it shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 500,000 yuan but less than 5 million yuan, it shall be deemed as "a huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 5 million yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.