Debt sorting will answer for you: the report and report mentioned by the bank may not be the real report and report. The person who called you may not be the bank, but may be a third-party collector. It is not necessarily lawyers or bank employees who call at home. If so, you can ask him to show relevant certificates and entrustment procedures. Or you can refuse. After the credit card expires, it may be implicated in criminal responsibility. If you have repayment ability, you can negotiate installment repayment. If the repayment ability is insufficient, you can take the initiative to sue and pay back the money to the bank in stages to avoid unnecessary criminal responsibility. I hope it helps you. Please pay attention to private letters about the debt problem.