Legal subjectivity:

When a civil lawsuit over an overdue credit card is held, the party concerned does not have to go if he or she has entrusted someone else to represent him. Otherwise, if the defendant must appear in court, he will be summoned by two summonses. If the defendant refuses to appear in court without justifiable reasons, the People's Court will issue a summons. If the defendant is not required to appear in court, the People's Court will make a default judgment. Legal objectivity:

Article 236 of the "Civil Procedure Law of the People's Republic of China" The parties must fulfill any legally effective civil judgment or ruling. If one party refuses to perform, the other party may apply to the People's Court for enforcement, or the judge may transfer the matter to an execution officer for enforcement. The parties concerned must perform the mediation agreement and other legal documents that should be executed by the People's Court. If one party refuses to perform, the other party may apply to the People's Court for enforcement. Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China: Whoever commits credit card fraud in any of the following circumstances and the amount is relatively large 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 and 20,000 yuan. A fine of not more than 10,000 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 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years. to fixed-term imprisonment of not less than 1 year or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identification; (2) Using an invalidated credit card (3) Pretending to use another person’s credit card; (4) Malicious overdraft.