If you owe more than 10,000 yuan on a credit card, you will be sued. Generally, the bank will send people to Xi'an to collect the debt. The details are as follows: The bank card is overdue and the details are as follows: the bank card is overdue for more than three months or the bank has not paid more than two reminders. If you make a payment, the bank will freeze your card and list you as a prohibited customer (blacklist). It will also sue you for credit card fraud and malicious overdraft, and the court will enforce it.

"Provisions on the Standards for Filing and Prosecution of Criminal Cases under the Jurisdiction of Public Security Organs (2)"

Article 54 [Credit Card Fraud Cases (Criminal Law Article 196) ] Anyone who engages in credit card fraud and is suspected of any of the following circumstances shall be prosecuted:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification, or using an invalid credit card , or fraudulently use other people’s credit cards to conduct fraudulent activities, with the amount exceeding 5,000 yuan; (2) Malicious overdrafts, with the amount exceeding 10,000 yuan.

The "malicious overdraft" stipulated in this article refers to the cardholder's overdraft exceeding the prescribed limit or prescribed period for the purpose of illegal possession, and the card-issuing bank still fails to return it for more than three months after being called upon twice. .

If the overdraft is malicious and the amount is more than 10,000 yuan but less than 100,000 yuan, all the overdraft interest has been repaid before the public security organ files the case. If the circumstances are obviously minor, criminal liability may not be pursued in accordance with the law.