2. What should I do if the credit card money is not paid? If the credit card money is not paid, the bank will collect it. The information of the person who fails to repay will be reported to the central bank, and a lawsuit will be filed with the people's court, requesting the people's court to enforce it. Generally, the bank will only take these three means, and the most commonly used one is collection. In a short time after the repayment period expires, the bank will call the borrower, send a message, or the bank staff will come to collect it. 1. Change the billing date of the credit card If the cardholder expects that he will not use the credit card, he can call the credit card center of the issuing bank to apply for changing the billing date before the billing date (remember to apply before the billing date), so as to achieve the purpose of delaying repayment. Tip: Whether you can change the billing date and the number of times you change the billing date varies from bank to bank. Card friends should call the bank for advice in advance. 2. Time-tolerance service If the cardholder can make up the money within one or two days after the due repayment date, he may wish to make full use of the time-tolerance service of the bank. Tip: Time tolerance service requires cardholders to apply actively. 3. Help for the credit card is still not available. In order to avoid overdue, please borrow some money from friends first, return the credit card, and then return it to friends when the funds are plentiful. This method is not commonly used, but it can be used occasionally. 4. Minimum repayment amount/bill installment The minimum repayment amount and bill installment of the credit card can also avoid overdue, but the cardholder needs to pay the corresponding interest and handling fee to the bank. However, the minimum repayment amount of the credit card and the annual interest rate of the bill installment are as high as 14%, which is ok for short-term emergency. It is not recommended for cardholders to use it for a long time. The above is the relevant content compiled by Xiaobian. The credit card will not force the family to pay back, but it may force the spouse to pay back, because during the marriage relationship, the property of the husband and wife is the same property, and the debt will also be regarded as the same debt, unless the spouse can provide evidence to prove that the credit card debt is not used for the family's living expenses, it is not necessary to pay back. If you have other needs, you are welcome to do one-on-one legal consultation.