It depends on the credit card debt amount, overdue time, whether there is an annual fee, and whether there is compound interest. If you owe several thousand dollars on a credit card and are overdue for several years, it is normal for the fixed limit to be doubled twenty or thirty times. But in fact, after the credit card debt reaches a certain amount, the bank has evolved from making phone calls and asking debt collection companies to come to collect debt, to filing a lawsuit with the court for "credit card fraud". Once the bank files a lawsuit, your family or company will soon receive a court summons. If you pay off the credit balance in full (including late fees, interest, and compound interest) the day before going to court, your sentence will be reduced; if you cannot repay in full on the day of going to court, If you clear your credit balance (including late payment fees, interest, and compound interest), the court will determine the term of imprisonment and fines based on the actual amount of your overdraft credit card.