Legal analysis: 1. There must be evidence to prove the fact of arrears, and written materials that may reflect the money, such as IOUs, IOUs, audio and video recordings, etc. 2. Bring a lawsuit to the court to demand repayment and pay interest. You can check whether there are any real estate, vehicles and deposits in his name and seal them up and freeze them. If the repayment period is two years, you need to find evidence to prove it, otherwise it will exceed the limitation of action. 5. If there is a guarantor, the guarantor shall be established as a co-defendant within the guarantee period and required to jointly repay the arrears.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC), if a cardholder maliciously overdraws and commits credit card fraud, if the amount is relatively large, he 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 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 especially 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 confiscated property.

Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management; If a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than 3 months after being repeatedly urged by the issuing bank, it is deemed as "malicious overdraft".