CITIC Bank defaulted on180,000 for four months, and the legal department of the bank said that it would sue.

Legal analysis: if you really can't afford it. I suggest you consult the bank. Repayment can be made in installments. Or the minimum repayment amount.

It is very important for the bank to see your attitude and take the initiative to explain the actual situation to the local card department of the issuing bank. Don't avoid it, or the bank will think that you have defaulted maliciously. Even if it can't be repaid in full, try to show sincerity in part.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.