If the credit card holder owes more than 10,000 yuan, and refuses to pay after being urged twice by the issuing bank for more than three months, the bank will freeze the card and blacklist it, and will also sue for credit card fraud and malicious overdraft, which will be enforced by the court. Refusing to repay after prosecution and the amount owed exceeds 1 000, this behavior can be considered as malicious overdraft, which will constitute the crime of credit card fraud, and the people's court will sentence it to fixed-term imprisonment.

legal ground

Article 196 of the Criminal Law stipulates that whoever commits credit card fraud in any of the following circumstances, if the amount is relatively large, 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 fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan. If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft.