To put it bluntly, it is a court summons. I just paid back the money to the bank. In 2000, the overdraft was ignored, and the principal and interest were 3360 yuan when it was returned. I suggest you solve it as soon as possible (if you pay it back now, it is equivalent to an out-of-court settlement) or the bank will force you to pay it back through legal means, blacklist you, and the loan credit will be zero in the future. Seriously affect personal reputation. Bring a lot of inconvenience to the future.

Your other bank's credit cards will also be frozen after the circular is issued. (I suffer greatly from it)

If there is really no money to pay back. You can go to the credit card department to coordinate and see if you can pay it back in installments. But it is unlikely, because you must be overdue for a long time, and your credit rating has been greatly reduced.

I hope it helps you ~!