If the credit card cannot be repaid after the deadline, there is no other solution except to negotiate with the issuing bank. For banks, even if they can't pay off in one lump sum, they can make installment repayment plans. However, for cardholders who are really unable to repay, the bank actually has no good way, and basically chooses to sue the court to enforce the relevant assets under the debtor's name. At this time, they will face a relatively complicated situation and even be investigated for criminal responsibility for credit card fraud.

Of course, as long as we can actively seek solutions and maintain relatively close communication and contact with banks, the suspicion of credit card fraud can be washed away. But usually, banks don't have the energy to deal with long-term uncollectible debts. As a party, the bank may package the arrears to a special debt repayment company. Once it reaches this stage, it will bear greater psychological pressure, because the debt repayment company's collection means is difficult to predict.

There are many reasons for not being able to repay the arrears. As long as it is not malicious default, you can seek the understanding of the bank through active communication. If you can get a minimum repayment solution, you should try your best to raise funds to accept this solution. After all, compared with paying late fees and penalty interest, it also reduces the repayment amount for the debtor, but there is often great uncertainty about whether you can get such a solution.

In short, you must think twice before applying for a credit card. If there are objective facts, you can't repay your debts for various reasons, and there is no other good solution except communication and consultation. In the final analysis, trying to borrow money to pay off the debts of banks is the right choice. If the company pays off its debts or the defendant goes to court, the consequences will be even more cruel.