It is recommended that you call directly and cancel it. Otherwise, you will be held responsible if an overdue loan occurs. You can also bring your ID card to the bank to go through the cancellation procedures. Reference question: If someone uses my ID card to apply for a credit card without my knowledge, what should I do if the bank finds me? If a bank files a civil lawsuit in court, the court should decide whether to accept it within 7 days from the date of receiving the litigation materials. If the amount you owe reaches 10,000 yuan and you still fail to repay it after two collections by the bank for more than 3 months, it will constitute a crime of credit card fraud and you should bear criminal liability. After the public security organ files a case for investigation, it usually takes about four months before the procuratorate files a public prosecution in the court.

1. "Interpretations of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases Obstructing the Management of Credit Cards" Article 6 The cardholder exceeds the prescribed limit or prescribed period for the purpose of illegal possession. If the card is overdrafted and remains unrepaid for more than 3 months after being called upon twice by the card-issuing bank, it shall be deemed a "malicious overdraft" as stipulated in Article 196 of the Criminal Law.

2. Any one of the following circumstances shall be deemed as “illegal possession for the purpose” as stipulated in Paragraph 2 of Article 196 of the Criminal Law:

(1) Knowing that one has no ability to repay and making a large overdraft that cannot be returned;

(2) squandering the overdraft funds wantonly and cannot return them;

(3) escaping or changing contact information after overdrafting , evading bank collection

(4) evading or transferring funds, hiding property, and evading repayment;

(5) using overdraft funds to carry out illegal and criminal activities;

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(6) Other behaviors of illegally possessing funds and refusing to return them.

3. Malicious overdraft, if the amount is more than 10,000 yuan but less than 100,000 yuan, shall be deemed as a "larger amount" stipulated in Article 196 of the Criminal Law; if the amount is more than 100,000 yuan but less than 100,000 yuan, If the amount is 1 million yuan, it shall be deemed as a "huge amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 1 million yuan, it shall be deemed as an "especially huge amount" as stipulated in Article 196 of the Criminal Law.