If you default on your credit card for a long time, the bank will think that you owe the money maliciously, and if you do not repay for many months in a row, you will be sued by the bank and be found guilty of malicious debt. Your credit history will also be severely damaged. In serious cases, you will be sentenced.

An overdraft that exceeds the prescribed limit or within the prescribed period and does not return it for more than three months after two collections by the card-issuing bank is considered a malicious overdraft, and malicious overdraft is a criminal act of credit card fraud.

According to the criminal law, malicious overdraft of more than 5,000 yuan on a credit card constitutes the crime of credit card fraud and may be sentenced to less than 3 years in prison; malicious overdraft between 50,000 yuan and 200,000 yuan is considered a huge amount and may be sentenced to A prison term of 5 to 10 years; if the amount exceeds 200,000 yuan, which is a particularly huge amount, the prison term is more than 10 years.