Legal analysis: direct prosecution. If the payment is overdue for more than three months or the bank makes more than two reminders, the bank will freeze your card, list you as a prohibited customer (blacklist), and will also sue you for credit card fraud and malicious overdraft.

Legal basis: Article 186 of the Civil Law of People's Republic of China (PRC) (hereinafter referred to as "Civil Law"). If one party's breach of contract causes damage to the other party's personal rights and property rights, the injured party has the right to choose to require it to bear the liability for breach of contract or tort.