Huaxia Bank's credit card arrears, once filed, can be submitted to the economic investigation, directly arrest the debtors and investigate their criminal responsibilities. However, there are several conditions to be met in reporting. As long as the reporting conditions cannot be met, banks and dunning units will not be able to report you!

1. There is no repayment record within three months.

2. The amount owed is more than 1, yuan (the amount reported by China Merchants Bank is 2, yuan)

3. The staff has effectively called for payment for more than two times (including overseas visits and telephone calls)

Therefore, as long as you have repayment accounts every month, you cannot report the case.