Ordinary credit card default is a civil debt dispute. Before or during the trial, you should actively express your willingness to repay and negotiate with the bank as soon as possible to reach a repayment agreement. If the credit card is used for fraud, it will promote the crime of credit card fraud in the Criminal Law. Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks: Under special circumstances, if it is confirmed that the amount owed by the credit card exceeds the repayment ability of the cardholder and the cardholder still has the willingness to repay, the issuing bank may negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years. The contents of the personalized installment repayment agreement shall at least include: (1) the balance of arrears, structure and currency; (2) repayment period, method, currency, date and repayment amount of each installment; (three) whether the annual fee, interest and other expenses are collected during the repayment period; (four) the cardholder shall not apply for a credit card from any bank before the relevant funds of the personalized installment repayment agreement are fully settled; (five) the rights and obligations of both parties and the liability for breach of contract; (6) Other matters related to repayment. If both parties reach an agreement and sign an installment repayment agreement, the card issuing bank and its card issuing business service institution shall stop the collection of the cardholder, unless the cardholder fails to perform the installment repayment agreement. If an oral repayment agreement is reached, the issuing bank must keep the recorded data. Recording materials shall be kept at least until the date of settlement of arrears. Article 196 of the Criminal Law: Whoever commits credit card fraud or theft in any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the act that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and still refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law. Legal objectivity:

"Several Provisions of the Supreme People's Court on the Application of Summary Procedure to the Trial of Civil Cases" Article 3 If the plaintiff refuses to appear in court without justifiable reasons or withdraws from court without the permission of the court, it may be dismissed; If the defendant refuses to appear in court without justifiable reasons after being summoned by summons, or leaves the court halfway without the permission of the court, the people's court may make a judgment by default according to the plaintiff's claim and the evidence materials that both parties have submitted to the court. If the lawsuit is dismissed or the judgment is made by default, the people's court may serve the judgment document on the party who fails to appear in court according to the service address provided by the party himself.