Legal subjectivity:

Generally, if a credit card is overdue for 90 days, it can enter the judicial process and file a case, and the prosecution period is two years. The consequences of not paying back the credit card: 1. The card-issuing bank will collect the due credit card loan in accordance with the law. According to the loan contract and the guarantee contract (mortgage or pledge contract), the card-issuing bank will sue the court, and the court will take measures such as property preservation. This includes freezing the bank deposits of credit users and seizing mortgaged and pledged properties. 2. After the judgment is made, the property will be enforced in accordance with the law (withholding deposits, auctioning mortgages, etc.) to repay the bank's loan losses. Specifically, it includes: arrears principal, arrears interest, overdue interest and penalty interest, as well as all resulting litigation costs, related costs incurred when disposing of mortgage (pledge) properties and realizing them, etc. 3. Your credit will be affected. If you use a company as the borrower, your company will be recorded in the national bank credit consultation system, and the credit card overdraft in your personal name will also be recorded as an overdue loan in the national personal credit consultation system. If you are not maliciously defaulting on your bank loan, and you are able to pay the interest on a normal credit card overdraft, it is recommended to apply for a repayment deferment to the credit card center first, explaining your willingness to repay, the fact that you are temporarily paying off the credit card debt, and your future repayment plan. Under normal circumstances, banks will grant grace. Legal objectivity:

Article 92 of the "Civil Procedure Law of the People's Republic of China" The people's court may, upon the application of the parties, make an order for property preservation in the case based on the behavior of the parties or other reasons. Property preservation order. If there is no application, the People's Court may also order property preservation measures when necessary. The People's Court may order the applicant to take property preservation measures and provide safety guarantees. If the applicant cannot provide security, the application will be rejected. After the People's Court accepts the application, it must issue an emergency notice within 48 hours. An order to take property preservation measures shall be executed immediately.