Legal analysis: Repay the loan as soon as possible. If it is overdue beyond a certain level, it will affect your personal credit report, and in serious cases, it will lead to criminal liability. If a credit card is overdue for three months or fails to repay after two reminders from the bank, the bank will sue the person concerned. First, after the bank makes multiple reminders, if the party still fails to repay, the bank will file a civil lawsuit with the court. After trial by the People's Court, if the party concerned still fails to repay the loan, the case may be transferred to the public security organs for investigation and formally established as a criminal case. After investigation by the public security organs, the case was sent to the Procuratorate for prosecution in court, accusing the parties of bad behavior that constituted the crime of credit card fraud.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China. 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 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 person shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge Or if there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) Using a forged credit card, or using a false identity certificate to defraud (2) Using an expired credit card; (3) Pretending to use another person’s credit card; (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 card after being called upon by the card-issuing bank. Anyone who steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.