Legal analysis: Credit card arrears will not only generate interest, but also generate bad records. If the amount is relatively small, it will affect the credit record; If a large amount of malicious arrears is formed, the bank will report the case to the public security organ. And your personal financial business such as mortgage and car loan will also be affected by your bad record.

Legal basis: Criminal Law of People's Republic of China (PRC).

Article 196 "Malicious overdraft" is a crime of credit card fraud.

Article 266 Whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also, or shall only, be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated.

196th malicious overdraft, the amount of more than 6.5438+0 million yuan but less than 6.5438+0 million yuan, 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.