If the principal amount owed exceeds RMB 10,000, the bank may sue you. If the bank sues you, if you are punished for several crimes, the sentence will be increased. According to the "Interpretations of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Obstructing the Management of Credit Cards" (Fa Interpretation [2009] No. 19): Article 6 The cardholder exceeds the prescribed limit or regulations for the purpose of illegal possession. If the card is overdrafted within the time limit and is still not returned 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. Malicious overdraft, if the amount is more than 10,000 yuan but less than 100,000 yuan, shall be deemed as a "relatively large amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 100,000 yuan but less than 1 million yuan, it shall be deemed as a "large amount" under the Criminal Law. The "huge amount" specified in Article 196.

1. Prison in a broad sense refers to a place where all prisoners are held, including prisons, jails, detention centers, etc. Prisons in the narrow sense refer to criminals who are sentenced to death with a two-year suspension of execution, life imprisonment, or fixed-term imprisonment in accordance with the provisions of the Criminal Law and Criminal Procedure Law, and their sentences are executed in prison. The principles of combining punishment with rehabilitation and education with labor should be implemented for criminals to transform criminals into law-abiding citizens. The competent department of prisons is the Prison Service, and the highest administrative department is the Ministry of Justice.

2. A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit. Credit cards stipulated in my country's relevant laws ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions that have all the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc. Or an electronic payment card with some functions__On December 1, 2017, the "English Translation Standards for Public Service Fields" was officially implemented, stipulating that the standard English name of credit cards is Credit Card.