The consequences of being sued for bank debt are as follows:

1. The parties need to pay interest for the overdue period. After the creditor files a lawsuit with the court and wins, if the debtor fails to fulfill the court judgment during the performance period, , the creditor can apply to the court for enforcement;

2. It may produce a bad credit record, and the property, vehicles, securities and deposits in the name of the debtor will be inquired according to law;

3. If the loan is overdue for a long time, banks and other financial institutions may file civil lawsuits demanding repayment.

Legal basis: Article 196 of the "Criminal Law of the People's Republic of China"

The crime of credit card fraud involves one of the following circumstances: carrying out credit card fraud activities with a relatively large amount If the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years of fixed-term imprisonment and a fine of not less than 20,000 yuan but not more than 200,000 yuan. A fine of not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the sentence is to be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

(2) Using an expired credit card;

(3) Using it fraudulently Others’ credit cards;

(4) Malicious overdrafts.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.

Whoever steals a credit card and uses it for the crime of theft shall be convicted and punished in accordance with the provisions of Article 264 of this Law.

What methods can be used to eliminate overdue credit card records?

1. Continue to use this card. If you want to eliminate the credit card overdue record, you need to continue to use this card and cover the original negative record with the new normal repayment record. Generally, a new personal credit record will be generated after 24 months. After the record is refreshed, personal credit loans, etc. None will be affected;

2. Don’t be overdue for a long time. If you are overdue for a long time, your credit card will charge compound interest and there will be high late payment fees. If you are overdue for a long time, the bank will consider it a malicious overdraft and will call the police;

3. Submit an explanation when you are unable to repay. When a credit card holder is unable to repay the credit card due to reasons beyond his control, he should state his financial situation to the bank, state that the debt is not malicious, and apply for delayed repayment and interest discounts;

4. After the credit card is overdue, it is recommended that all credit cards be repaid. repayment amount.