Legal Subjectivity:

No matter how much the credit card debt is, civil lawsuits may be filed. 2. If the overdraft amount reaches more than 10,000 yuan and is not repaid for more than 3 months after two collections by the card-issuing bank, it constitutes a crime of credit card fraud and will be prosecuted for criminal liability. Article 196 of the Criminal Law: Whoever commits credit card fraud in any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge; Or if 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 a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years or life imprisonment. , and be subject to a fine of not less than 50,000 yuan but not more than 500,000 yuan or property confiscation: (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 other people’s credit cards; (4) Malicious overdraft. "Interpretations of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Obstructing the Management of Credit Cards" Article 6 The cardholder exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possession, and has been called for collection twice by the card-issuing bank If the money is still not returned more than three months later, it shall be deemed as a "malicious overdraft" as stipulated in Article 196 of the Criminal Law. If any of the following circumstances occurs, it shall be deemed as "illegal possession for the purpose" as stipulated in the second paragraph of Article 196 of the Criminal Law: (1) A large amount of overdraft, knowing that there is no ability to repay, cannot be returned; (2) Wantlessly squandering overdrafted funds that cannot be returned; (3) escaping after overdrafting, changing contact information, and evading bank collection; (4) fleeing and transferring funds, hiding property, and evading repayment; (5) using overdrafted funds to conduct Illegal and criminal activities; (6) Other behaviors of illegally possessing funds and refusing to return them. Malicious overdraft, if the amount is more than 10,000 yuan but less than 100,000 yuan, shall be deemed as a "relatively large amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 100,000 yuan but less than 1 million yuan, it shall be deemed as a "large amount" under the Criminal Law. "Huge amount" as stipulated in Article 196; if the amount is more than 1 million yuan, it shall be deemed as "especially huge amount" as stipulated in Article 196 of the Criminal Law. The amount of malicious overdraft refers to the amount that the cardholder refuses to return or the amount that has not been returned under the conditions specified in the first paragraph. Excludes compound interest, late fees, handling fees and other fees charged by the card-issuing bank. Please refer to the above legal provisions for how much credit card debt you will be sued for. Legal objectivity:

Article 64 of the "Civil Procedure Law of the People's Republic of China" The parties concerned have the responsibility to provide evidence for their own claims. Article 119 of the Civil Procedure Law of the People's Republic of China 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 The defendant; (3) has specific litigation claims, facts and reasons; (4) 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 120 of the Civil Procedure Law of the People's Republic of China shall submit a complaint to the People's Court and submit copies according to the number of defendants.