Legal analysis: If the credit card is in arrears of 6,543,800 yuan, there are several ways: the debtor can negotiate with the bank to repay by installments; Or negotiate a deferred repayment. If the bank agrees, the debtor can repay by installments or postpone repayment; If the bank does not agree, the debtor needs to raise funds to repay as soon as possible, otherwise the bank can sue the court for rights protection according to law.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.

Article 678 The borrower may apply to the lender for extension before the repayment period expires. If the lender agrees, it can be extended.

People's Republic of China (PRC) Civil Procedure Law

Article 97 If an agreement is reached through mediation, the people's court shall make a conciliation statement.

Article 120 A complaint shall be submitted to the people's court, and copies shall be submitted according to the number of defendants.

Article 236 A legally effective civil judgment or written order must be fulfilled by the parties. If one party refuses to perform, the other party may apply to the people's court for execution, or the judge may transfer it to the person subjected to execution for execution.

Article 244 If the person subjected to execution fails to perform the obligations specified in the legal document according to the notice of execution, the people's court has the right to seal up, detain, freeze, auction or sell off the property that the person subjected to execution should perform. However, the necessities of life of the person subjected to execution and his dependents shall be retained.