1. If the credit card debt is overdue, the bank may sue. It is up to the bank to decide whether or when to sue; \x0d\ 2. When the amount of debt owed reaches more than 10,000 and the card is issued If the bank fails to repay the debt more than 3 months after two collections, it will be deemed as a "malicious overdraft" under the criminal law and suspected of credit card fraud \x0d\ 3. Overdue repayment will be recorded in the personal credit report, but overdue repayment Negative information such as credit records are not permanently recorded in an individual's credit report. my country's current credit record retention period is five years. After paying off the balance, anyone can start building their credit history all over again. \x0d\　4. If the principal of credit card arrears reaches 200,000 yuan, it is a huge amount as stipulated in Article 196 of the "Criminal Law" and shall be punished with a fixed-term imprisonment of not less than five years but not more than ten years, and a fine of not less than 50,000 yuan but not less than 500,000 yuan. A fine of not more than RMB 50,000; \x0d\ 5. Legal basis: "Criminal Law" Article 196 The crime of credit card fraud or theft involves one of the following circumstances. If the amount is relatively large, a person who commits credit card fraud will 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, the sentence shall be not less than five years but not more than 10 years in prison, and also a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is special If the circumstances are huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten 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: \x0d\ (1) Using a counterfeit credit card; \x0d\ (2) Using an expired credit card;\x0d\; (3) Pretending to use another person’s credit card;\x0d\; (4) Malicious overdraft. \x0d\ "The malicious overdraft 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 still not returning the card after being called upon by the card-issuing bank. \x0d\ "Interpretations 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 Obstructing the Management of Credit Cards" Article 6 The cardholder exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possession, and the card-issuing bank has If the money is still not returned more than three months after two collections, it shall be deemed as a "malicious overdraft" as stipulated in Article 196 of the Criminal Law. \x0d\ Any of the following circumstances shall be deemed as "illegal possession for the purpose" as stipulated in the second paragraph of Article 196 of the Criminal Law: \x0d\ (1) A large overdraft, knowing that one has no ability to repay, and unable to Returned; \x0d\ (2) Wanton squandering of overdraft funds that cannot be returned; \x0d\ (3) Escape after overdraft, change contact information, and evade bank collection; \x0d\ (4) Escape, transfer funds, conceal Property and evading repayment;\x0d\　(5) Using overdraft funds to carry out illegal and criminal activities;\x0d\　(6) Other behaviors of illegally possessing funds and refusing to return them. \x0d\　A malicious overdraft, if the amount is more than 10,000 yuan but less than 100,000 yuan, shall be deemed as a "large amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 100,000 yuan but less than 1 million yuan, it shall be It shall be determined as a "huge amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 1 million yuan, it shall be deemed as an "especially huge amount" as stipulated in Article 196 of the Criminal Law. \x0d\　The amount of malicious overdraft refers to the amount that the cardholder refuses to return or the amount that has not yet been returned under the conditions specified in the first paragraph. Excludes compound interest, late fees, handling fees and other fees charged by the card-issuing bank. \x0d\　Malicious overdrafts should be investigated for criminal liability, but if all the overdraft interest has been repaid after the public security organ files the case and before the people's court pronounces its judgment, the person may be given a lighter punishment. If the circumstances are minor, the penalty may be exempted. If the malicious overdraft amount is relatively large and all the overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal liability may not be pursued in accordance with the law