Let's talk about it slowly. ...
First of all, let's see if you will find a bank loan or other credit cards in the future, which involves personal credit records or personal credit reports.
On the other hand, are you sure the bank can't find you? The public security court is also looking for you.
Let's talk about personal credit reporting first. Because there is a credit card in your name that has not been paid off, even if the bank freezes the card in the future, or it is a bad debt as you said, it is still "a credit card has not been paid off", and the overdue repayment again and again will be reflected in the personal credit report. You don't want to borrow money from any financial institution or apply for other credit cards in the future, because they will definitely read the personal credit report. Personal credit report needs five years to pay off the arrears before it can be "washed white".
The interest on credit cards plus late fees is very high, doubling in one year, quadrupling in two years and quadrupling in three years ... It will be unclear then.
Then, talk about the public security court. If the bank dunning can't find you, or can contact you but just won't repay, the bank will go to court, and the court will pronounce a judgment (default judgment), and then enforce other assets under your name. If it's not enough, see if you can start the "online pursuit" and other programs, but at least you will see it when you announce "Lao Lai" in your hometown.
If you are not afraid of all this, then you owe it, and the bank can't help it.
If you have any questions, please ask. If you are satisfied, please adopt the answer.