Legal analysis: overdue credit cards should be repaid as soon as possible. According to the relevant laws and regulations of our country, the borrower should repay the loan within the agreed time limit. If the loan term is not agreed or clearly agreed, and cannot be determined according to law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time. If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.

Legal basis: Interim Measures for the Administration of Personal Loans.

Article 11 An individual loan application shall meet the following conditions:

(a) the borrower is a citizen of People's Republic of China (PRC) with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Article 12 The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions.

Article 13 After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.