Legal analysis: 1. Pay off the debt as soon as possible. 2. Negotiate repayment rules with the bank. 3. Taking the legal route means going to court. First of all, the best way is to pay off the debt in one lump sum, even if it is borrowed from parents, brothers, relatives and friends. This is the best way. Of course, I won't give you any unreliable advice here, such as borrowing usury or private high-interest loans. Secondly, negotiate with the bank to repay the loan.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC), which constitutes the crime of credit card fraud, is sentenced to fixed-term imprisonment of not more than five years, criminal detention and a fine of not less than 20,000 yuan but not more than 200,000 yuan.