Legal analysis: If the amount of credit card debt exceeds 10,000 yuan, is overdue for more than 3 months, and the bank collects it twice and fails to repay, the bank will prosecute you for credit card fraud and you will be jailed.

If a credit card debt of more than 5,000 yuan is overdue for more than three months or the bank has not paid more than two reminders, the bank will freeze the card and list the cardholder as a prohibited customer (blacklist) ), and will also sue cardholders for credit card fraud and malicious overdrafts, and the court will enforce it. If you refuse to repay after being sued and the amount owed exceeds RMB 10,000, the court will sentence you for credit card fraud according to relevant laws and the cardholder will face dual penalties of criminal punishment and fines.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China. Whoever commits credit card fraud in any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or Criminal detention and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the person 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; if the amount is particularly huge Or if 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) Using a forged credit card, or using a false identity certificate to defraud someone. (2) Using an expired credit card; (3) Pretending to use another person’s credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. Anyone who steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.