Long-term repayment by credit card will not only pay a lot of fees and interest to the bank, but also cause mental stress to yourself. Failure to repay on time will also affect your credit. Cardholders' long-term malicious overdraft will be punished by law. According to Article 196 of the Criminal Law, those who commit credit card fraud with a large amount of activities shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not less than 10 or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property.