Legal analysis: Generally, a credit card can be put on file in the judicial process after 90 days overdue, and the prosecution period is two years. Consequence (dunning step): The issuing bank of 1 will collect credit card loans according to law. The issuing bank brings a lawsuit to the court according to the loan contract and guarantee contract (mortgage or pledge contract), and the court will take measures such as property preservation, including freezing the bank deposit of the credit user and sealing up the pledged property. After the judgment is made, the property will be enforced according to law (deducting deposits, auctioning collateral, etc.). ) to repay the bank's loan losses. Specifically, it includes: default of principal, default of interest, overdue interest, default interest, all litigation costs arising therefrom, and related expenses incurred when mortgaged (pledged) property is realized. Credit will be affected. If the borrower is a company, your company will be recorded in the national bank credit information system, and credit card overdrafts in the name of individuals will also be recorded as overdue loans in the national personal credit information system. If you are not maliciously in arrears with bank loans, but have the ability to pay the interest on normal credit card overdrafts, it is recommended to apply to the credit card center for suspension of repayment first, explaining the repayment willingness, the fact that you have not paid the credit card debt for the time being and the plan for repayment in the future. Normally, the bank will give you a grace period.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and fined not less than 20,000 yuan but not more than 200,000 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 50,000 yuan but not more than 500,000 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 10 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: (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 behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.