Legal analysis: If the credit card is overdue for a long time, the bank can sue in the People's Court. After the People's Court accepts the case, it will order the debt to be repaid. Anyone who is capable of executing a judgment or ruling of a people's court but refuses to execute it, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention, or a fine; if the circumstances are particularly serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years, and shall also be fined.

Legal basis: Article 242 of the "Civil Procedure Law of the People's Republic of China" The court has the power to take execution measures. If the person subject to execution fails to perform the obligations specified in the legal document in accordance with the execution notice, the people's The court has the right to inquire from relevant units about the deposits, bonds, stocks, fund shares and other property status of the person subject to execution. The people's court has the power to seize, freeze, transfer, and change the value of the property of the person subject to execution based on different circumstances. The property inquired, seized, frozen, transferred, and valuated by the People's Court shall not exceed the scope of the obligations that the person subject to execution shall perform. When the people's court decides to seize, freeze, transfer or change property, it shall make a ruling and issue a notice of assistance in execution, and the relevant units must handle it.

Article 257 If any of the following circumstances occurs, the People’s Court shall rule to terminate execution:

(1) The applicant withdraws the application;

(2) The legal document based on which the execution is based is revoked;

(3) The citizen who is the person subject to execution dies and has no inheritance for execution and no person to assume the obligation;

(4) The right holder of a case for claiming alimony, support, or child support dies;

(5) The citizen who is the person subject to execution is unable to repay the loan due to difficulties in life, has no source of income, and has lost the ability to work;

(6) Other circumstances under which the People’s Court deems execution should be terminated.

Article 313 of the Criminal Law of the People's Republic of China and the People's Republic of China: Anyone who is capable of executing the judgment or ruling of the People's Court but refuses to execute it, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, Criminal detention or a fine; if the circumstances are particularly serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years, and shall also be fined. If a unit commits the crime in the preceding paragraph, the unit shall be fined, and the person directly in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.