1. For overdue credit card enforcement, the parties can negotiate with the bank and reach a repayment agreement. According to the relevant laws and regulations, 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 the obligation according to the execution notice. However, the necessities of life of the person subjected to execution and his dependents should be retained.

2. Legal basis: Article 248 of the Civil Procedure Law of the People's Republic of China

If the person subjected to execution fails to perform the obligations specified in the legal documents according to the execution notice, he shall report the current property situation and the property situation one year before the date of receiving the execution notice. If the person subjected to execution refuses to make a report or makes a false report, the people's court may, according to the seriousness of the case, impose a fine or detain the person subjected to execution or his legal representative, the principal responsible person of the relevant unit or the person directly responsible.

Article 249

If the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people's court has the right to inquire about the property of the person subjected to execution such as deposits, bonds, stocks, fund shares, etc. from the relevant units. The people's court has the right to seize, freeze, transfer or change the price of the property of the person subjected to execution according to different circumstances. The property inquired, seized, frozen, transferred or changed in price by the people's court shall not exceed the scope of the obligations that the person subjected to execution shall perform.

Second, what are the consequences of the bank loan not being paid

1. If the loan is overdue for more than 9 days, it can be regarded as malicious overdue if the circumstances are serious, and the bank's collection may also cause life pressure to oneself and family, affecting the normal life of individuals and families;

2. For overdue charges, there will be some expenses such as liquidated damages and penalty interest, which need to be collected according to the contract. The liquidated damages or penalty interest charged by different institutions and different loan products are different;

3. Personal credit records are affected, and bad credit records become obstacles to future loans such as mortgage, car loan and credit card processing.