1. Go to the Personal Credit Reference Center to get a credit report. If you are more than 91 days overdue, look back.

2. Ask the bank to send a copy of your credit card record, which should be made on paper.

3. After receiving it, go to the bank counter to repay one yuan. Keep the credentials.

4. Ask the bank to send you a replacement bill after repayment.

5. Civil litigation bank. Refer to the legal provisions, Article 45 of the Measures for the Supervision and Management of Credit Card Business of Commercial Banks.

If the loan is overdue for more than 91 days, the repayment will be offset against the principal first and then the interest. But all banks operate illegally.

You repaid the money reasonably, but he collected the money illegally. In the end, there is only mediation. All interest is waived and can be paid off in 5 years.

Refer to the law as above. The reason why the bank would rather mediate than lose the lawsuit. This is because once a court decision is made, everyone will follow it.