After all, you didn’t describe it clearly, so it’s not practical to calculate exactly how much you owe. But what I can tell you is that the bank's debt has late fees and interest every month, and compound interest is calculated on a monthly basis. So it can really snowball like that! You owe it three years, and doubling it shouldn’t be an exaggeration.
As for how much money you think is reasonable? Haha, as I said before, the money in the bank is "reasonable charges" that have been approved, and there is no room for bargaining with them. So from a "reasonable" perspective, every point is indispensable. After all, there is not enough money now. What you have to focus on is how much responsibility and punishment you can reduce. So we need to understand the relevant legal provisions first. The following is what I found:
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Article 196 of the Criminal Law has one of the following circumstances: committing credit card fraud, the amount is relatively large If the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years of fixed-term imprisonment and a fine of not less than 20,000 yuan but not more than 200,000 yuan. A fine of not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the sentence is to be not less than 10 years in prison or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:
.....Save the first three points...
(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 time limit for the purpose of illegal possession and refusing to return the card after being called by the card-issuing bank. .....(omitted)
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Then, according to the "Several Issues on the Specific Application of Laws Concerned by the Supreme People's Court and the Supreme People's Procuratorate in Handling Criminal Cases of Obstructing the Management of Credit Cards" "Interpretation", the "larger amount" stipulated in Article 196 of the Criminal Law should be deemed as "malicious overdraft, the amount exceeds 654.38 million yuan but is less than 654.38 million yuan." The amount of malicious overdraft refers to the amount that the cardholder refuses to return or has not yet returned under the conditions specified in the first paragraph. Excludes compound interest, late fees, handling fees and other fees charged by the issuing bank.
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From this perspective, your initial debt is more than 90,000, this applies regulations, that is, you may be sentenced to up to 5 years in prison and fined.
However, it does not mean that everything will be fine if it is less than 10,000. If the bank does start suing. There is no liquidated damages, and you can still freeze your property in the bank or even force it to be returned.