If you owe a credit card loan of 1 million yuan, you can negotiate with the lending institution first, apply for extension or postponement of repayment, or borrow money from relatives and friends, work hard to raise money to repay the loan, or choose to repay the loan with a credit card for emergency. You can't repay the loan by raising the loan, which will lead to more and more interest. Legal objectivity:

Article 193 of the Civil Code of the People's Republic of China commits any of the following acts. Whoever defrauds a bank or other financial institution of loans for the purpose of illegal possession, with a relatively large amount, 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; (a) fabricating false reasons such as introducing funds and projects; (2) Using a false economic contract; (three) the use of false documents; (four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral; (5) defrauding loans by other means.