Solutions for overdue credit cards with no money to repay:

1. Use the delayed service provided by the bank: If the funds are only one or two days away from repaying, you can use the bank's For deferred repayment services, banks generally provide deferred repayment services for 1 to 3 days. As for the specific number of days, each bank is different. It is best to consult the customer service of the relevant bank.

2. Apply for credit card installment or minimum repayment: If you are unable to get a credit card in the short term, you can consider applying for credit card installment or repaying the minimum repayment, although these two methods will require a certain amount of interest to be paid to the bank. , but also avoid the bad credit record caused by overdue payment.

3. Effectively change the billing date: If you predict that a certain bill may not be paid by then, you can apply to the bank to change the billing date before the bill comes out, in order to extend the repayment period. Of course, you can’t just change the statement date. You need to consult the bank to confirm the specific situation.

4. Ask friends or family to borrow money for turnover: Ask friends or family for turnover, borrow some money to pay off the credit card first, and then pay it back when you have sufficient funds.

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Article 196 of the "Criminal Law": Whoever commits the crime of credit card fraud or theft under one of the following circumstances and conducts credit card fraud activities, and the amount is relatively large, 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, the sentence shall be not less than five years but not more than 10 years in prison, and also a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is special If the circumstances are huge or there are other particularly serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have his property confiscated: Credit card; using invalid credit card; fraudulently using other people's credit card; malicious overdraft.

The so-called malicious overdraft in arrears refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and still not returning the card after being called by the card-issuing bank. Anyone who steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law. How to restore a credit card after suspension:

If you use your credit card improperly, you will face the risk of suspension. Generally speaking, suspension is mainly caused by the following reasons:

1. The credit card itself has multiple overdue bills

In this case, if you want to restore the credit card, the cardholder must pay back all the outstanding balance of the credit card, reactivate the card at the same time, and maintain good credit status. Repayment habits cover up the original overdue records.

2. There is illegal cash-out behavior on the credit card

If the suspected cash-out is deactivated, if you want to resume using the card, you must provide all consumption invoices in the past three months and feedback them to the credit card customer service center ; If all transaction invoices cannot be provided, invoices for the disputed consumption that the bank considers must also be provided. The bank will review these invoices and, if approved, will reinstate or reissue the credit card. 3. Abnormal transaction location and transaction behavior

In this case, the cardholder can call the card-issuing bank, or go to the bank branch with relevant information and request the bank to reissue the credit card.