You can compare this situation with the following points: it is best to pay off the debt as soon as possible to avoid falling asleep. The longer you wait, the worse for yourself.

1, if the amount of credit card arrears is more than 1 10,000 yuan but less than 1 10,000 yuan, it shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law;

2. The amount of malicious overdraft of a credit card refers to the amount that the cardholder refuses to return or has not yet returned. Does not include compound interest, late fees, handling fees and other fees charged by the issuing bank.

3. Those who maliciously overdraw their credit cards shall be investigated for criminal responsibility. Article 196th of the Criminal Law of People's Republic of China (PRC) is under any of the following circumstances. 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;

4. If the overdraft interest has been fully repaid after the public security organ files a case and before the people's court makes a judgment, it may be given a lighter punishment, and if the circumstances are minor, it may be exempted from punishment.