If the Alipay Revitalization Bank is overdue, try to find friends or family members to repay it and pay it off as soon as possible. If the payment is overdue within 3 days, the bank will generally not have any major problems. Zhenxing Bank went to court to file a case and file a civil lawsuit. If a payment is overdue for more than 3 months and the bank collects it more than twice, but the cardholder still has no intention to repay, the court may determine that the cardholder has maliciously breached the contract, which will be considered a credit card fraud this time.