Legal analysis: If you receive a letter from a dunning lawyer, treat it positively. The main function of a letter is to remind and warn you. If you don't pay back the money, the creditor will send you a lawyer's letter to urge you. If you don't pay back the money, the creditor may sue you and ask you to pay back the money. At that time, the court may enforce your property because you lose the case, and pay off the debt by discounting, selling or auctioning the relevant property, and you may be included in the list of people who have lost their trust. When you receive a letter from a lawyer, you'd better study it carefully. First of all, don't panic. Generally speaking, after the lawyer's letter is sent, the final performance deadline will be written down. At the same time, if you don't pay back the money, it's a civil dispute, and you won't be investigated for criminal responsibility or go to jail. At the same time, after the creditor wins the case in the court, if the debtor fails to perform the court judgment within the performance period, the creditor may apply to the court for enforcement.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud, and if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall 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 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 not less than 50,000 yuan but not more than 500,000 yuan or confiscated property.