If the police have intervened, it is just telling you to hurry up and pay back the money. If you lose the case, you need to arrest the person and put him in jail. Normal credit card debts have nothing to do with the police. The formal channel is for the bank to go to court to sue.

Extended knowledge:

1: Credit card is a financial tool for individuals to obtain short-term interest-free consumer loans. The short-term, interest-free period is up to about fifty days, and it is interest-free. There is no interest for swiping the card for consumption, and interest is calculated on a daily basis for cash withdrawals. The key is its loan nature, and rational use can improve the cash flow situation.

2: If the credit card debt is not paid, it is a malicious overdraft. General penalties include a fine of RMB 30,000 to RMB 60,000 and freezing of all bank business, including the use of bank cards and family credit functions. , cancel some government support rights, and criminal detention for 3 to 15 months.

3: Malicious overdraft refers to the cardholder’s overdraft exceeding the prescribed limit or prescribed period for the purpose of illegal possession, and the card-issuing bank still fails to return it after two calls for collection for more than 3 months, which shall be deemed It is a malicious overdraft specified in Article 196 of the Criminal Law.

4: Malicious overdraft behavior includes two basic behaviors. One is overdraft exceeding the prescribed limit, that is, exceeding the provisions of the credit card regulations or the overdraft allowed by the issuing bank. Overdraft beyond the specified period means that the principal and interest are not repaid within the specified time. Generally speaking, malicious credit card overdraft behavior will leave a bad credit record in the card-issuing bank and affect the cardholder's personal credit. The second is overdraft beyond the prescribed period, that is, the principal and interest are not repaid within the prescribed time. Generally speaking, malicious credit card overdraft behavior will leave a bad credit record in the card-issuing bank and affect the cardholder's personal credit.

5: It is better to borrow money from family members or friends and repay it first. If you do not repay the loan on time, not only will there be no interest-free period and additional liquidated damages will be paid, but more importantly, it will affect your personal credit record. In the future, whether you are living or working, if your funds are not available for a short period of time, you can repay the loan according to the minimum repayment amount or apply for installments. However, interest will be paid on both.

Reference materials: China Court Network https://www.chinacourt.org/index.shtml