If the bank doesn't ask you for money again, it's basically that in legal proceedings, the bank won't ask you, and it's likely that the court will ask you! You don't have the money to pay back, it's very likely that they will go to your house to move things and pay the bill!

If the amount is huge, it may rise to the scope of criminal cases, and individuals may be detained or even sentenced! This is credit card fraud! I hope you can find some relatives and friends to borrow this money and pay it back, so as not to be in big trouble in the future!

The fine is actually the interest calculated by the bank for you! With so much money, the interest may be considerable!

Credit cards are not used like this. Even if you use it, don't exceed half of the limit, so even if you don't pay cash for the time being, there is still room for manoeuvre! But your situation really makes people unable to help you! If you cash out your empty card, it will only make your credit worse!

Borrow money and pay it back as soon as possible!

Good luck!