After all, you didn't describe it clearly, so it's not practical to calculate exactly how much money you owe. But what I can tell you is that the bank's arrears are subject to late fees and interest every month, and then compound interest is calculated monthly. So it will really snowball! You owe it for three years, and doubling it should be an exaggeration.

As for how much you say is reasonable? Hehe, as I said before, the money in the bank is a "reasonable charge" after approval, and there is no room for bargaining with them. So from a "reasonable" point of view, every point is indispensable. Now, after all, the money is not enough. What you should pay attention to is how much responsibility and punishment you can reduce. So we need to know the relevant legal provisions first. Here's what I found:

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Article 196 of the Criminal Law 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 20,000 yuan but not more than 200,000 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 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

..... save the first three points. ...

(4) malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. ..... (omitted later)

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Then, according to the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management, the "large amount" stipulated in Article 196 of the Criminal Law shall be deemed as "malicious overdraft with the amount exceeding 654.38 million yuan and less than 654.38 million yuan". The amount of malicious overdraft refers to the amount that the cardholder refuses to return or has not returned under the conditions stipulated in the first paragraph. Does not include compound interest, late fees, handling fees and other fees charged by the issuing bank.

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From this point of view, your initial debt is more than 90,000 yuan. If this provision is applied, you may be sentenced to a maximum of five years of criminal law and fined.

However, it doesn't mean that everything will be fine if it is less than 10 thousand. If the bank really starts to sue. Without penalty, you can still freeze the property in your bank, or even force it back.