How to deal with credit card arrears: take the initiative to consult with the bank to explain the situation. If it is really because of special circumstances such as work, you can take the initiative to call the bank to explain the reasons and prove that it is not malicious. If the cardholder maliciously overdraws a certain amount for the purpose of illegal possession and fails to pay it back within the time limit, which constitutes a credit card crime, he shall also bear criminal responsibility. Article 196 of the Criminal Law, a credit card crime involves credit card activities, and under any of the following circumstances, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years and fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Anyone who uses a credit card at the same time shall be convicted and punished in accordance with the provisions of Article 264 of this Law.

What if the credit card is not returned?

1, credit card arrears will not generate high interest and late fees, but will also affect personal credit records. If it is malicious arrears, it will be investigated for criminal responsibility.

2. The cardholder can take the following measures to solve the problem: repay the minimum repayment amount. As long as the cardholder can repay this minimum amount, the bank will not charge late fees, nor will it affect personal credit, but will charge interest of 0.5 ‰ per day.

3, or take the initiative to negotiate with the bank, the cardholder needs to contact the issuing bank to explain his situation, saying that he is not malicious, but because of temporary changes in economic conditions, he can't pay off immediately. Generally speaking, as long as the cardholder actively contacts the bank, the bank will usually design a mutually acceptable repayment method for the cardholder.

4. Legal basis:

5. Article 6 of the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management stipulates that if a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession and fails to return it for more than 3 months after repeated collection by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.