Legal analysis: 1. If the bank sues, you may go to jail. 2. Failure to repay your credit card debt will result in the following main legal consequences: 1. High overdue interest will be incurred. 2. The bank will sue you in court, and you will incur economic losses such as litigation costs and attorney fees. 3. An individual will have a bad credit record, which will have an impact on future bank cards and loans. 4. If the amount owed exceeds 10,000 yuan, it constitutes a crime of credit card fraud and will be investigated for criminal liability.

Legal basis: "People's Republic of China and Civil Code"

Article 671: The lender fails to provide the loan in accordance with the agreed date and amount, resulting in losses to the borrower , the loss should be compensated. If the borrower fails to collect the loan on the agreed date and amount, the borrower shall pay interest on the agreed date and amount.

Article 676 If the borrower fails to repay the loan within the agreed time limit, he shall pay overdue interest in accordance with the agreement or relevant national regulations.

Article 551: If the debtor transfers all or part of the debt to a third party, it must obtain the consent of the creditor. The debtor or a third party may urge the creditor to agree within a reasonable period of time. If the creditor fails to express its consent, it shall be deemed to be disagreement.

Article 552: If a third party agrees with the debtor to join the debt and notifies the creditor, or the third party expresses its willingness to join the debt to the creditor, but the creditor fails to expressly refuse within a reasonable period, the creditor may request The third party shall bear joint and several liabilities with the debtor within the scope of the debt it is willing to bear.