According to your description, I will make the following analysis for you from the legal point of view: First of all, according to your description, the overdue repayment of the credit card and the refusal to return it despite the bank's dunning are suspected of constituting the crime of credit card fraud, and the amount of 500,000 yuan recognized by the criminal law is particularly huge and sober. According to the provisions of the criminal law, "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 10 years or life imprisonment and fined not less than 50,000 yuan but not more than 500,000 yuan. Secondly, if it can be returned as scheduled, the court will consider reducing the sentence when sentencing. In view of the above analysis, I suggest that you return it as soon as your financial ability allows, so as not to constitute a criminal offence and suffer from jail.