If the overdue credit card debt is not paid for a long time, the bank may indeed contact a law firm after several collections and ask the law firm to collect the money. Therefore, there are indeed situations where lawyers call to urge cardholders to repay their credit cards as soon as possible. In addition, the bank may also package it to a third-party collection company and let specialized collection personnel handle the collection. And if the bank refuses to repay despite repeated calls, the bank has the right to sue in court. Of course, the bank will not prosecute unless it is absolutely necessary. Article 196 of the "Criminal Law of the People's Republic of China": Whoever commits credit card fraud under any of the following circumstances and 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 20,000 yuan and 20,000 yuan. A fine of not more than 10,000 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 10 years, 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 five years but not more than 10 years. to fixed-term imprisonment of not less than 1 year or life in prison and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property: (1) who uses a counterfeit credit card; (2) who uses an invalid credit card; (3) who fraudulently uses another person's credit card ; (4) Malicious overdraft. The term "malicious overdraft" as mentioned 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 failing to return the card after being called upon by the card-issuing bank.