The methods for being unable to repay a credit card are as follows:
1. If you are temporarily unable to repay the debt, you can negotiate with the creditor to repay in installments, defer the repayment or reduce the debt;
2. If the other party does not agree to postpone or reduce the debt and wants to sue the debtor, then after suing, you need to actively respond to the lawsuit and strive to achieve the purpose of installment repayment or time limit repayment in court;
3. If the other party does not agree to postpone or reduce the debt, the court will not support it and will repay all the debt within a time limit. If you are able to repay but refuse to pay, the creditor can apply for enforcement. However, compulsory execution will not lead to imprisonment, because civil liability does not involve criminal issues;
4. If the debtor really has no money to repay:
(1) The court execution officer knows If the party does not have money, the execution cannot be carried out;
(2) If the party has money and refuses to return it, the court can arrest the person, including judicial detention, or pursue criminal liability for refusing to perform the effective judgment;
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5. The people's court shall follow legal procedures and clarify the specific execution content based on legally effective documents, and force civil obligors to complete their obligations to ensure that the rights of obligees are realized.
Legal basis: Article 678 of the "People's Republic of China and Civil Code"?
The borrower may apply to the lender for an extension before the expiration of the repayment period; It can be extended if the lender agrees.
Article 214 of the "Civil Procedure Law of the People's Republic of China"
The cases retried by the People's Court in accordance with the trial supervision procedures shall produce legally effective judgments and rulings The judgment or ruling is made by the court of first instance and is heard in accordance with the procedures of the first instance. The parties may appeal against the judgment or ruling made by the court of first instance. The judgment or ruling that is legally effective is made by the court of second instance and is tried in accordance with the procedure of the second instance. The judgments and rulings made are legally effective judgments and rulings; if the superior people's court arraigns the case in accordance with the trial supervision procedures, it shall be tried according to the second instance procedure, and the judgments and rulings made are legally effective judgments and rulings.
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