Yes, serious use of other people’s credit cards will constitute the crime of credit card fraud.

The impact of non-repayment on credit cards:

1. It will have an impact on applying for a credit card in the future

2. It will have an impact on the interest on future loan repayments;

3. It will have an impact on the normal use of the credit card and may be frozen and deactivated;

4. If the credit card is overdue more seriously, it will be blacklisted by the bank and become a black account. You cannot apply for a loan directly;

5. It will have an impact on the loan quota for future loans to buy houses, cars, etc.;

6. If you do not repay the money you owe, you are likely to be sued by the bank.