After the bank's collection, if you still maliciously evade repayment, the bank can directly sue you. According to the amount and behavior you owe, you will commit credit card fraud. Because the amount is relatively large (more than 5,000 yuan), he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan.

So the main problem is to cooperate with the bank to negotiate repayment.