If the credit card overdraft exceeds 5,000 and is not repaid, it constitutes credit card fraud, which is a criminal case and requires criminal liability.

The main consequences of not repaying your credit card debt are:

1. High overdue interest will be incurred.

2. The bank will sue you in court, which will incur economic losses such as litigation costs and attorney fees.

3. Individuals will have bad credit records, which will have an impact on future bank cards and loans.

4. If the amount owed exceeds 10,000 yuan, it constitutes a crime of credit card fraud and will be held criminally responsible.

"Criminal Law"

Article 196: Whoever commits the crime of credit card fraud under one of the following circumstances and conducts credit card fraud activities 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.

The Supreme People's Court's "Interpretations on Several Issues Concerning the Specific Application of Laws in the Trial of Fraud Cases" stipulates that "anything over 5,000 yuan is considered a large amount, anything over 50,000 yuan is an extremely huge amount, and 200,000 yuan The above amount is extremely large. It can be seen that if it reaches 5,000 yuan, it constitutes a crime of credit card fraud.