1. If it is really unable to repay, it shall negotiate with the bank to extend the repayment period or return it in installments.

2. If the bank sues the court and wins the case, and fails to perform the court judgment during the performance period, it may apply to the court for enforcement.

3. When the court accepts enforcement, it will inquire about the real estate, vehicles, securities and deposits in your name according to law.

4. In addition, if you have no executable property in your name and refuse to perform the effective judgment of the court, your personal credit report will have negative information such as overdue payment, and will be restricted from high consumption and entry and exit, and may even be judicial custody.

Extended data:

According to Article 196 of the Criminal Law of People's Republic of China (PRC), "malicious overdraft" belongs to the crime of credit card fraud.

Article 196 of the Criminal Law stipulates that if the amount of malicious overdraft is more than 6,543,800 yuan but less than 6,543,800 yuan, it shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law;

If the amount is more than 654.38+10,000 yuan and less than 1 10,000 yuan, it shall be deemed as "huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 6,543.8+0,000 yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.

References:

People's Daily Online-Three men in Qujing were prosecuted for maliciously overdrawing their credit cards.