Tens of thousands of dollars is not a lot, since dad asked you, just confess it directly. It would be better if dad could help you, so you don't have to think about these things every day in the future. If the family conditions are not good, dad can't help you, or dad is angry and unwilling to help you pay back, then you can only find a way to pay back slowly. Since the call is to your father, it should be that the credit card has been overdue for some time, and there must be this bad record in the credit report. If you really can't afford it, don't worry about it for the first time. Looking for a job pays less money every month, even hundreds of dollars. When the income increases and you have money in your hand, negotiate with the bank to pay back the money, so as to minimize the interest and late fees. I will definitely spare no effort to call you and try to answer the phone. You don't have to believe anything that scares you. Just walk around and say you're trying. Tens of thousands of dollars won't go to jail, and the bank won't sue you.