if you owe the credit card 7, yuan, you can negotiate with the bank for installment or deferred repayment; If the negotiation fails, it is necessary to repay the loan as soon as possible, otherwise, the cardholder needs to pay the interest on overdue repayment, and the bank can collect it through legal means such as litigation. Legal basis: Article 676 of the Civil Code. If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations. Article 678 The borrower may apply to the lender for extension before the repayment period expires. If the lender agrees, it can be extended. Article 97 of the Civil Procedure Law of the People's Republic of China * * * If an agreement is reached through mediation, the people's court shall prepare a conciliation statement. Article 12 A prosecution shall submit a complaint to the people's court, and submit copies according to the number of defendants. Article 236 A legally effective civil judgment or written order must be fulfilled by the parties. If one party refuses to perform, the other party may apply to the people's court for execution, or the judge may transfer it to the executor for execution. Article 244 If the person subjected to execution fails to perform the obligations specified in the legal document according to the notice of execution, the people's court has the right to seal up, detain, freeze, auction or sell off the property that the person subjected to execution should perform. However, the necessities of life of the person subjected to execution and his dependents should be retained.

Legal basis

Article 97 of the Civil Code of the People's Republic of China * * * Obtaining the qualification of an organ as a legal person. Organs with independent funds and statutory institutions that undertake administrative functions have the qualification of an organ as a legal person from the date of establishment and can engage in civil activities required for performing their functions.

article 12 of the civil code of the people's Republic of China * * * if the civil rights and interests of the creditor's rights are infringed, the infringed party has the right to request the infringer to bear the tort liability.

if article 236 of the civil code of the people's Republic of China excludes the right to claim for obstruction, the obligee may request that the obstruction or danger be eliminated.

article 244 of the civil code of the people's Republic of China * * * protection of cultivated land the state applies special protection to cultivated land, strictly restricts the conversion of agricultural land into construction land and controls the total amount of construction land. Collective-owned land shall not be expropriated in violation of the authority and procedures prescribed by law.

article 676 of the civil code of the people's Republic of China * * * if the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or relevant state regulations.

article 678 of the civil code of the people's Republic of China * * * the borrower may apply to the lender for an extension of the loan before the repayment period expires; If the lender agrees, it can be extended.