The credit card is seriously overdue, and the credit card cannot be processed until the bad credit record is eliminated. \x0d\ The time for credit cards to eliminate bad credit records is 5 years. After 5 years, the bank will decide whether to eliminate it for you according to your specific situation. \x0d\ If the credit card is overdue for more than three months (90 days) or the bank fails to repay it for more than two times: \x0d\ The bank will freeze your card, list you as a prohibited customer (blacklist), and will also sue you for credit card fraud and malicious overdraft, which will be enforced by the court. If a person refuses to repay the loan after prosecution, and the amount owed exceeds 654.38+00000, the court will punish him according to Article 654.38+096 of the Criminal Law: \x0d\ Article 654.38+096 of the Criminal Law stipulates that in 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 particularly 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 his property shall be confiscated: \x0d\ (1) using a forged credit card or using a credit card fraudulently obtained with false identification; \x0d\ (2) An invalid credit card was used; \x0d\ (3) Fraudulent use of other people's credit cards; \x0d\ (4) Malicious overdraft. \x0d\ Malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Malicious overdraft is the main risk form in credit card business and a part of credit card fraud.