First, although the bank will withdraw the arrears as bad debts, the litigation process will definitely have to go through. The result is a certain financial fraud. The current online pursuits by the police are not unreasonable. They don’t watch the news and just go to foreign countries to catch people.

2. Even if you go through legal procedures, the money you owe will still be charged interest and late fees on a monthly basis. The later it is, the more it will accumulate. In the end, it became an astronomical figure, and it will be difficult to turn around in this life. Even being imprisoned does not exempt you from your obligation to repay. There are no provisions for personal bankruptcy in China. Unlike foreign countries, if you really have no money, you can apply for personal bankruptcy and start over. China has to pay back the money as long as it survives.

3. If you owe money too many times, you will automatically enter the blacklist of the credit system. Even if you escape by chance, it will be impossible to get a loan or apply for a credit card in the future. Once the bank checks the credit reporting system, if overdue credit cards are not paid off, they will always be on the blacklist.

There is only one chance of luck, that is, the bank does not follow legal procedures, and that is a civil case. The statute of limitations for civil cases is 2 years. If the bank does not sue again, that's it. If the bank sues, it will be financial fraud and it will be a criminal case. There is no statute of limitations for criminal cases and you will have to carry it for the rest of your life.

I advise him not to play with fire.