Non-repayment of credit cards is a civil dispute and should bear civil compensation, except for malicious overdraft and malicious arrears. After the credit card is overdue, it shall be liable for breach of contract, pay a fine, and leave a bad record in personal consultation, and remedial measures shall be taken. The overdue credit card is a breach of contract, so it will tarnish personal trust, which is not conducive to the later bank lending business and produce overdue records in the credit report. Consequence of overdue: 1, and bear high penalty interest; 2. Causing legal disputes; 3. Leave a "credit stain" in the national credit information system. For the purpose of illegal possession, if the cardholder overdraws beyond the prescribed limit or term, and fails to return it for more than three months after being urged twice by the issuing bank, it will be regarded as "malicious overdraft". Refers to the provisions of the criminal law, malicious overdraft of credit cards of more than 5,000 yuan constitutes a crime of credit card fraud and can be sentenced to fixed-term imprisonment of not more than 3 years; Malicious overdraft of more than 50,000 yuan and less than 200,000 yuan is a huge amount, and may be sentenced to fixed-term imprisonment of more than 5 years 10 years; More than 200,000 yuan is a huge amount, and the sentence exceeds 10 years.

Legal objectivity:

Article 313 of the Criminal Law Whoever refuses to execute the judgment or ruling of the people's court when he has the ability to execute it, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined. If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.