Credit card debt is 4 10000, and only 100 is paid every month. If the repayment amount does not reach the minimum repayment amount, the interest and late payment fee shall be paid in full, and the overdue amount has a bad personal credit record.

If the credit card is overdue for more than 5,000 yuan for more than three months or the bank reminds it twice or more, the bank will freeze the card and list the cardholder as a prohibited customer (blacklist). At the same time, the cardholder will also be prosecuted for credit card fraud and malicious overdraft, which will be enforced by the court. If the defendant refuses to repay the loan after prosecution, and the amount owed exceeds 1 000, the court will punish the cardholder for the crime of credit card fraud according to Article 1 96 of the Criminal Law, and the cardholder will face both criminal and fine penalties.