Legal subjectivity:

Surmitting yourself if you are unable to pay off your credit card may not necessarily lead to a lighter sentence, and defaulting on your credit card may not necessarily mean you are suspected of committing a crime. Only credit card fraud can constitute the crime of credit card fraud. If a person is suspected of a crime and surrenders, he should be given a lighter punishment or be exempted from punishment. Legal objectivity:

Article 67 of the Criminal Law: Anyone who voluntarily surrenders to the police after committing a crime and truthfully confesses his crime is surrendering. Criminals who surrender may be given lighter or reduced penalties. Among them, those who commit relatively minor crimes may be exempted from punishment. Criminal suspects, defendants, and criminals serving sentences who have been subject to compulsory measures and truthfully confess their other crimes that are not yet known to the judicial authorities shall be deemed to have surrendered. Although a criminal suspect does not have the circumstances to surrender as stipulated in the preceding two paragraphs, if he truthfully confesses his crime, he may be given a lighter punishment; if he truthfully confesses his crime and avoids particularly serious consequences, he may be given a lighter punishment.