You must repay it once the judgment takes effect, otherwise the bank can apply to the court to enforce the property in your name.

If the amount owed is relatively large and remains unrepaid for more than 3 months after two collections by the card-issuing bank, it should be deemed a "malicious overdraft" under the criminal law and suspected of credit card fraud.

Therefore, try to negotiate repayment as soon as possible after the bank collection, and don’t delay it any longer.

However, if the amount of malicious overdraft is relatively large and all the overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal liability may not be pursued according to law.

Finally, if you commit credit card fraud, you will be held criminally responsible if the amount is large and serious.

Legal Basis

Article 236 of the "Civil Procedure Law of the People's Republic of China (2017 Revision)" Legally Effective Civil Judgments and Rulings on the Method of Commencing Execution , the parties must perform. If one party refuses to perform, the other party may apply to the People's Court for enforcement, or the judge may transfer the matter to an execution officer for enforcement. The parties concerned must perform the mediation agreement and other legal documents that should be executed by the People's Court. If one party refuses to perform, the other party may apply to the People's Court for enforcement.