Legal analysis: You can ask your family to repay the loan on your behalf. If the cardholder fails to repay the credit card in full after the due repayment date and does not choose the minimum repayment amount, the following consequences may occur: 1. Money spent will no longer enjoy interest-free repayment. The issuing bank shall calculate the daily interest with the consumption amount as the principal from the date of consumption, with the daily interest rate of 0.5 ‰ and compound interest on a monthly basis; For the unpaid part of the minimum repayment amount, a late fee of 5% will be charged every month. 2. Receive dunning calls and letters from the issuing bank. 3. Affect personal credit records. If the credit card account is frozen by the issuing bank, the debt record may be fed back to the personal credit information system of the People's Bank of China, which will affect the cardholder's personal credit record and make it impossible for the cardholder to apply for a housing mortgage loan normally.

Legal basis: Article 8 of the Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management, if the amount of malicious overdraft is more than 50,000 yuan but less than 500,000 yuan, it shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 500,000 yuan but less than 5 million yuan, it shall be deemed as "a huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 5 million yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.