1. If the credit card has not been overdue for 8 years, you should actively negotiate with the other party for installment repayment. The most important thing the user needs to do is to settle the principal and interest. The interest on the credit card that is overdue for 8 years continues to accumulate, so 8 The annual interest is a significant sum.

2. If users are unable to repay, they need to communicate with the bank immediately, indicate their personal situation to the bank, and apply for installment repayment. Do not delay again and again.

3. The amount owed is a malicious overdraft, and if the bank fails to repay the money after multiple reminders, the user needs to bear legal responsibility.