Legal analysis: If a credit card is unable to repay its overdraft, it will be subject to criminal liability after a court decision, and its credit card will still be repaid, and the repayment amount and interest will be implemented in accordance with the provisions of the contract. Its arrears and interest will not be demanded from its relatives, but will be executed on the assets of the debtor. Usually, after being sued for credit card arrears, you should negotiate with the issuing bank to repay the loan in installments in time.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China commits credit card fraud under any of the following circumstances, and if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: < P > (1) using a forged credit card or using a credit card fraudulently obtained with false identification;

(2) using an invalid credit card;

(3) fraudulent use of another person's credit card;

(4) malicious overdraft.