The bank collection procedure is generally that the bank's internal employees collect the money in the first three months. If the customer does not repay, the bank will outsource the collection to an outsourcing company, or directly submit the materials to the legal department for collection. If the loan is still not repaid during the filing period, the person will be transferred to the court for sentencing. From bank collection to outsourcing or legal collection, it usually takes 3-6 months, so it won’t take too long. Paying back debts is a matter of course. In addition, the cardholder will be entered into the list of scammers, credit blacklist, etc. If he enters the police station, he will also have a criminal record. \x0d\\x0d\ 1. As long as the money is owed, the bank may sue, which is decided by the bank; 2. If the amount owed reaches more than 10,000 and after two collections by the card-issuing bank, it exceeds 3 If the amount of the overdraft is not returned within three months, it shall be deemed as a "malicious overdraft" under the criminal law and suspected of credit card fraud; \x0d\ Criminal liability may not be pursued in accordance with the law \x0d\ 4. Legal basis: "Criminal Law" Article 196 Credit card fraud and theft crimes involving one of the following circumstances: If the amount is relatively large, a person who commits credit card fraud activities shall be sentenced to a prison sentence of not more than five years Fixed-term imprisonment 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 sentence is not less than five years but not more than 10 years of fixed-term imprisonment, 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 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: \x0d\ (1) Using a counterfeit credit card;\ x0d\　(2) Using an expired credit card; \x0d\　 (3) Pretending to use another person’s credit card; \x0d\　 (4) Malicious overdraft. \x0d\ The so-called malicious overdraft 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 still refuses to return the card after being called upon by the card-issuing bank. \x0d\ "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 overdraws within the prescribed period for the purpose of illegal possession, and the card-issuing bank has If the money is still not returned more than three months after two collections, it shall be deemed as a "malicious overdraft" as stipulated in Article 196 of the Criminal Law. \x0d\ Any of the following circumstances shall be deemed as "illegal possession for the purpose" as stipulated in the second paragraph of Article 196 of the Criminal Law: \x0d\ (1) A large overdraft, knowing that one has no ability to repay, and unable to Returned; \x0d\ (2) Wanton squandering of overdraft funds that cannot be returned; \x0d\ (3) Escape, change contact information, and avoid bank collection after overdraft; \x0d\ (4) Escape, transfer funds, and conceal Property and evading repayment;\x0d\　(5) Using overdraft funds to carry out illegal and criminal activities;\x0d\　(6) Other behaviors of illegally possessing funds and refusing to return them. \x0d\　A malicious overdraft, if the amount is more than 10,000 yuan but less than 100,000 yuan, shall be deemed as a "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 It shall be determined as a "huge amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 1 million yuan, it shall be deemed as an "especially huge amount" as stipulated in Article 196 of the Criminal Law. \x0d\　The amount of malicious overdraft refers to the amount that the cardholder refuses to return or the amount that has not yet 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. \x0d\　Malicious overdrafts should be investigated for criminal liability, but if all the overdraft interest has been repaid after the public security organ files the case and before the people's court pronounces its judgment, the person may be given a lighter punishment. If the circumstances are minor, the penalty may be exempted. If the malicious overdraft amount is relatively large and all the overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal liability may not be pursued in accordance with the law.