Legal analysis: If the credit card is in arrears, you can negotiate with the bank to use the minimum repayment function. The debt should be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be forced to repay by the people's court.

Legal basis: Article 412 of the Civil Code of People's Republic of China (PRC), if the debtor fails to perform the due debts or realize the mortgage right according to the agreement of the parties, and the mortgaged property is sealed up by the people's court according to law, the mortgagee has the right to collect the natural fruits or legal fruits of the mortgaged property from the date of sealing up, except that the mortgagee has not notified the debtor who should pay off the legal fruits.