The bank will sue you. Point 4 of Article 196 of the Criminal Law of the People's Republic of China: Article 196 commits credit card fraud under any of the following circumstances, and if the amount is relatively large, it 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, it shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and a fine of not less than 5, yuan but not more than 5, yuan or confiscation of property: the law clearly stipulates that it is indeed a violation of the criminal law to refuse to return the money after the stipulated overdraft period is overdue, and if you refuse to pay a penny, you will still be investigated for criminal responsibility and sentenced. If this is really the case with this card friend. First of all, we must actively communicate with the bank to negotiate the repayment method. At the same time, no matter how difficult it is, there must be a repayment record every month. This shows that it's not that I haven't paid back the money after collection, but my ability is limited at present, and I can only afford so much by doing my best every month. So when this happens, don't avoid it and don't refuse to answer the bank phone. We must actively cooperate with them. At the same time, it is the key to do everything possible to increase the source of income and slowly pay off the arrears.