Legal analysis: The so-called batch litigation is not a legal concept. It is a concentrated prosecution by the bank's credit card department against a group of people who have not paid back their debts.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China. The crime of credit card fraud falls under one of the following circumstances. If the amount is relatively large, the crime of credit card fraud shall be punished by a prison sentence of not more than five years. Fixed-term imprisonment or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the sentence is not less than five years but not more than 10 years of fixed-term imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; If the amount is particularly huge or there are other particularly serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have his property confiscated: 1. Using a forged credit card, or using a false identity certificate 2. Using an expired credit card; 3. Pretending to use someone else’s credit card; 4. Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.