Legal analysis: First of all, failure to repay a credit card overdue will affect a person’s credit record. If a person has a bad credit record, it will affect various future credit card applications, going abroad, etc., handling mortgages, and car loans. Loans and other financial services. If the loan is not repaid for a long period of time, the bank will classify this part of the debt as a malicious overdraft and have the right to judicial prosecution. Secondly, credit card debt is not still a breach of contract. The bank can require the cardholder to repay the principal as well as overdue interest, late payment fees, over-limit fees, litigation fees and other fees.

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

Article 196

Carry out credit card fraud under any of the following circumstances If the amount involved is relatively large, he 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 but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, he shall be sentenced to not less than five years but not more than ten years. If the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be fixed-term imprisonment of not less than 10 years or life imprisonment and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or Confiscated property: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identification; (2) Using an expired credit card; (3) Pretending to use another person’s credit card; (4) Malicious overdraft of. 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.