Legal analysis: banks can apply for prosecution for more than half a year, and overdue credit card arrears will produce bad credit records, which will affect personal credit and future credit business, such as loans, car loans, mortgages and other businesses; Overdue repayment will generate interest and late fees, and excessive arrears will generate high interest and late fees.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it 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, or if there are other serious circumstances, it shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or if 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: (1) using a forged credit card or using a credit card fraudulently obtained with a false identity certificate; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft.