Hello, as far as I know, the credit card of China Bank says the process is true. After the credit card was overdue, I met a phone call from the bank and said that I had to repay it before xx. If you don't return it, I'll go through the reporting procedure. Many debtors have no money to pay back, and I will be afraid when I hear it. First of all, judge whether the call you receive is from a bank employee or a collection. You can ask the other party's work number, and then call the bank's official customer service phone to verify. If the other party doesn't want to say the job number or avoid the question, it is mostly a collection, and there is no need to continue. Hang up the phone. Secondly, if it is only a simple debt problem, under normal circumstances, credit card funds have nothing to do with reporting as long as they are not used for illegal purposes. Credit card is essentially the behavior that citizens borrow money from banks on the basis of personal credit. Therefore, overdue credit card itself does not constitute fz, but overdue credit card+overdue demand+illegal possession is the crime of credit card fraud. Credit card overdue alarm is also a bank, not a collection. Cardholders have no right to report to the police. If you have the repayment ability, you can negotiate by stages. If there is no limit exceeding 50,000 for the time being, it is necessary to avoid unnecessary troubles and plan the repayment time as much as possible. Otherwise, even if part of the repayment is made every month, it is inevitable that no prosecution will be initiated, and interest and liquidated damages will be paid first, and the principal will not be reduced. Such repayment is invalid. When will it end? Therefore, this statement is mostly a means of collection. As long as the debtor is worried and stressed, the goal is half achieved. If you really sue, the bank won't tell you in advance. If the credit card is overdue, you must find a way to pay it back, and you can't lose contact or even evade debt. Otherwise, the real prosecution will not be worth the loss. You can negotiate with the bank to repay the loan in installments, so that the interest will not keep rising. Finally, work hard and pay it off as soon as possible. I hope my answer is helpful to you.