You are overdue for too long and have been frozen by the bank. At this time, you have no right to repay in installments. Why didn't you make an installment before it was overdue?

Hurry up and repay;

If you are overdue for more than three months or have not paid more than two bank reminders, the bank will freeze your card and classify you as a prohibited person. Customers (blacklist) will also sue you for credit card fraud and malicious overdrafts, and the court will enforce it. If you refuse to repay after being sued and the amount you owe exceeds RMB 10,000, the court will impose a sentence based on Article 196 of the Criminal Law for the crime of credit card fraud!

Article 196 of the "Criminal Law" stipulates that anyone who commits credit card fraud under one of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not less than 200,000 yuan. A fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is extremely 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 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to a fixed-term imprisonment of not less than five years but not more than 10 years. Fixed-term imprisonment or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

(2) Using an expired credit card;

(3) Pretending to use another person’s credit card;

(4) Malicious overdraft.

A malicious overdraft refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and still not returning the card after being called by the card-issuing bank. You belong to the fourth situation. Malicious overdrafts are a major form of risk in the credit card business and are part of credit card fraud.