Legal analysis: If the credit card is not returned and is sued, the bank can apply for compulsory execution after the expiration of the performance period specified in the judgment after the court judgment. Compulsory execution means that the people's court uses state coercive power in accordance with legal procedures and clarifies the specific execution content based on legally effective documents to force civil obligors to complete their obligations to ensure that the rights of the obligee are realized.

Legal basis: "Civil Procedure Law of the People's Republic of China"

Article 224 Legally effective civil judgments and rulings, as well as criminal judgments and rulings The property part of the execution shall be executed by the people's court of first instance or the people's court at the same level as the people's court of first instance where the property subject to execution is located.

Other legal documents that are stipulated by law to be executed by the People's Court shall be executed by the People's Court where the person subject to execution is domiciled or the property subject to execution is located.

Article 225 If the parties or interested parties believe that the execution violates legal provisions, they may submit written objections to the people's court responsible for execution. If a party or interested party raises a written objection, the people's court shall review it within 15 days from the date of receipt of the written objection. If the reason is established, it shall rule to revoke or correct it; if the reason is not established, it shall rule to reject it. If the parties or interested parties are dissatisfied with the ruling, they may apply for reconsideration to the people's court at the next higher level within ten days from the date of delivery of the ruling.

Article 226: If the People's Court fails to execute the application for more than six months from the date of receipt of the execution application, the person applying for execution may apply to the People's Court at the next higher level for execution. After review, the people's court at the next higher level may order the original people's court to implement within a certain period of time, or may decide to have this court implement the case or instruct another people's court to implement it.

Article 231: During execution, if the person subject to execution provides a guarantee to the People's Court, and with the consent of the person applying for execution, the People's Court may decide to suspend execution and the period of suspension of execution. If the person subject to execution fails to perform within the time limit, the people's court has the right to execute the guaranteed property of the person subject to execution or the property of the guarantor.