Supplementary information:

First of all, you have to define the concept. Credit card arrears are generally collected by the collection department. The first thing is to call for collection. If you can't get it back, bring a lawsuit to the court. Generally speaking, it's not that fast. You have to wait until the court's judgment is over before the bank staff will come to the door to enforce it.

Extended data:

First, the credit card arrears litigation process

1. If a bank brings a civil lawsuit to the court, the court shall decide whether to accept it within 7 days from the date of receiving the litigation materials.

2. If the amount owed reaches 6,543.8 yuan+0,000 yuan, and it has not been returned for more than 3 months after being collected by the bank twice, it constitutes the crime of credit card fraud and should bear criminal responsibility. After the public security organ files a case for investigation, it usually takes about four months for the procuratorate to file a public prosecution with the court.

Article 6 of the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management.

If the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than 3 months after being twice collected by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.

In any of the following circumstances, it shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196th of the Criminal Law:

(a) knowing that there is no repayment ability and a large amount of overdraft can not be returned;

(two) squandering overdraft funds, unable to return;

(3) Escape after overdraft, change contact information and avoid bank collection.

(4) evading or transferring funds, concealing property or evading repayment;

(five) the use of overdraft funds for illegal and criminal activities;

(six) other acts of illegal possession of funds and refusal to return them.

Second, after the bank sued, the processing flow is as follows:

1. If it is really unable to repay, it shall negotiate with the bank to extend the repayment period or return it in installments.

2. If the bank sues the court and wins the case, and fails to perform the court judgment during the performance period, it may apply to the court for enforcement.

3. When the court accepts enforcement, it will inquire about the real estate, vehicles, securities and deposits in your name according to law.

4. If I refuse to execute the effective judgment of the court, my personal credit report will contain negative information such as overdue payment, which will limit my high consumption and entry and exit, and may even lead to judicial custody.

5. Refusing to execute a judgment or ruling is suspected of refusing to execute a judgment or ruling.

6. Article 313th of the Criminal Law stipulates the crime of refusing to execute a judgment or ruling. The judgments and orders of the people's courts are capable of execution, and if the circumstances are serious, they shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine.