Legal analysis: It is possible to be prosecuted, because a credit card overdraft of more than 5,000 yuan is not repaid, which constitutes credit card fraud. It is a criminal case, and the possibility of prosecution is very high.

The main consequences of not repaying credit card debt are:

1. High overdue interest will be incurred.

2. The bank will sue you in court, which will incur economic losses such as litigation costs and attorney fees.

3. Individuals will have bad credit records, which will have an impact on future bank cards and loans.

4. If the amount of debt is more than 10,000 yuan, it constitutes a crime of credit card fraud and will be held criminally responsible.

Legal basis: "Criminal Law of the People's Republic of China"

Article 196 The crime of credit card fraud involves one of the following circumstances: carrying out credit card fraud activities with a relatively large amount If the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years of fixed-term imprisonment and a fine of not less than 20,000 yuan but not more than 200,000 yuan. A fine of not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the offender 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 have property confiscated.

"Interpretation on Several Issues Concerning the Specific Application of Laws in the Trial of Fraud Cases" If the amount is more than 5,000 yuan, it is a large amount; if it is more than 50,000 yuan, it is an extremely large amount; and if it is more than 200,000 yuan, it is a special amount huge. It can be seen that if it reaches 5,000 yuan, it constitutes the crime of credit card fraud.