What if ICBC's credit card is sued for 50 thousand? Transferred to the criminal justice bureau again. But I really can't afford it now.

If you don't pay back your credit card, you may go to jail.

First, it is a breach of contract not to repay the credit card after overdraft, and the bank may require the cardholder to repay the principal, overdue interest, late payment fee, over-limit fee, etc. If the bank sues the court and wins, the cardholder will also bear the litigation costs. Second, if the cardholder maliciously overdraws a certain amount, usually more than 10,000, for the purpose of illegal possession, and fails to repay it after overdue collection, which constitutes the crime of credit card fraud, he should also bear criminal responsibility.

Exceeding the time limit will not only result in a 5% late payment fee for the minimum unpaid part, but also a penalty interest for the full amount of the statement (the daily interest is 0.5 ‰, interest will be calculated from the day of consumption, and interest will be recovered monthly until the principal and interest are paid off), and a bad credit record will be generated in the Credit Information Center of the People's Bank of China, which will seriously affect the application for credit cards and bank loans within five years.

If the payment is overdue for more than three months or the bank makes more than two reminders, the bank will freeze your card, list you as a prohibited customer (blacklist), and will also sue you for credit card fraud and malicious overdraft, which will be enforced by the court.

Article 196 of the Criminal Law stipulates that in any of the following circumstances, if the amount of credit card fraud is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan shall be imposed; 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.

Malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Malicious overdraft is the main risk form in credit card business and a part of credit card fraud.