Legal analysis: If a Minsheng credit card is overdue for more than 90 days, you may be sued. After being sued, the court will first ask the bank to negotiate with the cardholder. If the negotiation is successful, then Minsheng Bank will withdraw the lawsuit and the user can repay according to the negotiation agreement. If the negotiation fails, the court will enforce it, so the assets under the user's name may be frozen and used to repay the credit card debt.

Legal basis: "Several Provisions of the Supreme People's Court on the Publication of Information on the List of Untrustworthy Persons Subject to Enforcement" Article 8 The People's Court shall report the information on the list of untrustworthy persons subject to enforcement to relevant government departments, financial regulatory agencies, and financial institutions. Notifications from institutions, public institutions with administrative functions and industry associations are provided to relevant units in accordance with laws, regulations and relevant provisions in government procurement, bidding, administrative approval, government support, financing and credit, market access, qualification recognition, etc. Give credit punishment to those subject to execution for breach of trust. The People's Court shall notify the credit reporting agency of the list of dishonest persons subject to enforcement, and the credit reporting agency shall record the list in its credit reporting system.