Credit cards are useless for several months. If you pay 100 yuan every month, you still owe the bank about 1 00. A few tens or hundreds of payments a month can only alleviate the problem. The credit card is really unable to repay after it is overdue, and then the collection always scares you with Article 196 of the Criminal Law. Therefore, this repayment action is made to show that you have a good willingness to repay, so that the bank can see that you have a repayment action, and finally the bank may define it as a benign arrears behavior. It is worth noting that this kind of restitution can only be suspended, and there is no way to cure it. . Some anchors don't know where they heard the logic, and it is of little use to repay according to the percentage of the amount owed. Ok1-20,000 banks may not care about you. Even if they find that you are in trouble, they must solve this credit card debt through civil litigation. As for the bank credit card of more than 50 thousand, you can be bound in two ways, one is criminal law and the other is civil litigation.