Generally speaking, if the credit card is overdue for more than three months, the total principal plus interest and late fees will reach more than 5,000 yuan. Bank personnel contacted several times to urge them to repay. Banks will usually bring a lawsuit to the court, and the court will give you a subpoena.

So when you owe money, you must remember to pay it back on time as much as possible. If you say you can't pay it back on time, you can consult the bank, which is better, installment or minimum payment. . Most importantly, don't refuse to answer the phone of the bank when you say you have no money, just because you think you have money. This kind of behavior seems to be intentional default by the bank, and the bank will deal with it more severely.

Finally, the amount of credit card arrears is not a problem, but our attitude towards our reputation.