Yes. According to what the Inquirer learned in Shenzhen, if a credit card is overdue, it will not be immediately taken to court. The bank will first negotiate with the debtor for repayment, and the negotiated terms include the offsetting of the debt with wages. According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": Credit cards refer to various media that record cardholder account information, have bank credit lines and overdraft functions, and provide cardholders with relevant banking services.