Failure to pay back the money by virtual credit card will lead to the consequences of being collected by the bank, high penalty interest, being sued by the bank and affecting personal credit information. Refusing to return the virtual credit card will still constitute the crime of credit card fraud, and if the circumstances are serious, it will be detained by the public security organ and fined a certain amount.

According to Article 196 of the Criminal Law of People's Republic of China (PRC), if the amount of credit card fraud is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and a fine of 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.

Virtual credit card is also a kind of credit card. In essence, refusing to return the money of virtual credit card is illegal possession of bank property, which constitutes the crime of credit card fraud. Virtual credit card can be divided into main card type virtual card and auxiliary card type virtual card. The primary card type virtual card has no physical card, and the secondary card type needs to be attached to the physical card.

No matter what kind of virtual credit card, refusing to return the credit card debt constitutes the crime of credit card fraud.

The bank will launch two effective collections within three months, and if the user still fails to repay the credit card debt, the bank will sue the user three months later. Users should repay the loan on time, not overdue.