Reason:

1. It's really hard to recover. Many card friends have been repeatedly tossed by the bank and the police, which is time-consuming and laborious, but there is still no solution. Although there are some successful cases of recovery, this is only a case.

2. If it's not worth affecting your credit record, some card friends will think it doesn't matter now, but when you have the need to apply for a card or buy a house or a car, it will be clearly reflected.

In other words, if the bank and the police have a clear tracing result of the whole process, it will be easier to distinguish the responsibilities and bear the corresponding losses. But if there has been no progress, then the bank will not bear this responsibility, and ultimately the cardholder will have to pay the bill. Therefore, it is wise to repay this debt first and avoid greater losses.