Let me analyze it for you. According to the law of filing a case, your credit card is handled in Shanghai, so you will report to the police in Shanghai and file a case in Shanghai, but you are not in Shanghai. At that time, the Shanghai police will send a red-headed document to the Guangzhou police, asking them to assist in the investigation, that is, let Guangzhou arrest you and send you to Shanghai, or the Shanghai police will personally go down to Guangzhou to find you.
In addition, your house has been sold, but as long as you have an account, the police will look for you through various channels, such as looking for your family, relatives and friends, or neighbors where you used to live. If you still can't be found in all aspects, you will be out of luck and will be wanted.
The time from the bank alarm to the police filing is very fast, not long. Generally, it can be accepted on the same day, but if you want to find you in Guangzhou, you need Shanghai to issue a red-headed document (you can't handle a case across the border without red-headed documents) and contact the Guangzhou police. If it is a serious case, this will be quick, but your problem is not big. If it is bigger, I conservatively estimate that it will take half a month at the earliest, but generally this will not happen.
In addition, you only owe the bank 12000 yuan, and the bank will not treat you like this at present. For the above things to happen, at least the following conditions must be met. If the interest of five ten thousandths of the credit card debt is not paid back every day, the bank will wait until the money reaches a certain height before calling the police. It will take at least half a year. At this time, the amount charged by fraud is not 12000 yuan, but hundreds of thousands. I think your heart is very low. In addition, during this period, the bank will call your family and friends for dunning (don't doubt that the bank will find these calls). At the same time, the bank may also let some social elements call you or your family to collect debts. So, although you haven't been charged, your life is not easy.
Finally, if you apply for installment, the bank will accept it. I don't know why you were rejected. The staff you talked to may have a bad attitude, but you can call the credit card center of the bank directly, find other people inside, talk to them and ask them to help you reflect it to them. If you can't make a phone call, you can make two calls until you find someone who is willing to make an installment payment for you.
And if you have enough money in the meantime, you can deposit some money into the card every month, not too much, at least in court. This can also prove that you didn't pay it back on purpose, but you really had difficulties.