1. Attitude is important. Take the initiative to explain the actual situation to the local card department of the issuing bank. Don't avoid it, or the bank will think that you have defaulted maliciously. Even if it can't be repaid in full, try to show sincerity in part.

2. Credit card arrears can be sued to the court under the following circumstances:

Other collection methods are invalid, and the overdraft principal and interest exceeds 1000 yuan;

B. It is necessary for the court to freeze and judge the property information such as customers' deposits in arrears;

C has not been sued by the same industry because of the arrears, and needs to participate in the collection together.

3. Overdue records will automatically enter the credit information system of the People's Bank of China, and banks do not need to report them. Bad records will not be cancelled after settlement, and will not be overwritten in the system until 24 months after settlement. The credit information system can only find the records of the last 24 months.