Going to the Legal Department does not mean filing a lawsuit in court, but it may mean taking legal proceedings. So communicate with the bank as soon as possible, quickly make a repayment plan and repay part of the money. This will at least ensure that they will not go to court in the short term.

Legal basis:

Article 196 of the "Criminal Law of the People's Republic of China" falls under any of the following circumstances: if the amount of credit card fraud is relatively large, If the amount is huge or there are other serious circumstances, the sentence is to be not less than five years but not more than 10 years of fixed-term imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan. If the following fine amount is extremely huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten 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) Use Counterfeit credit cards, or using credit cards fraudulently obtained with false identification

(2) Using invalid credit cards

(3) Pretending to use other people’s credit cards

(4) Malicious overdraft.