Legal analysis: You can contact the customer service consultation of the issuing bank and put forward an application for extending the repayment period and repaying by installments. If the bank agrees, the customer can negotiate a new repayment plan with the bank, and then repay in installments on time according to the plan. Customers can also apply for suspension of payment while applying for extension.

Of course, banks will not easily agree. Therefore, when negotiating, customers must clearly explain their personal situation, explain that they are not intentionally overdue, but do not have the ability to repay, and provide relevant information as evidence (such as unemployment certificate, proof of termination of labor contract, etc.). ) and expressed willingness to actively repay.

And if the customer is suspected of malicious overdue, the bank will naturally reject the customer's application. Customers need to pay off their debts as soon as possible, otherwise the longer the overdue period, the more penalty interest will be generated and the more serious personal credit damage will be. If customers find that they can't repay on time, they can actually apply for bill installment before the repayment date to avoid overdue.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property: