1. What if the cardholder is unable to pay the bankrupt credit card?

Individuals can't file for bankruptcy, and credit cards can't be returned. You can choose the following ways to deal with it:

1. Borrow from relatives and friends for repayment: If you only encounter cash flow problems, you can temporarily pay off the arrears by borrowing;

2. Apply to the bank for deferred repayment;

3. Apply to the bank for suspension of payment;

4. negotiate with the bank to reduce the repayment amount. If negotiation fails, you can sue the bank and get judicial credit card debt relief.

2. What is the processing flow after the malicious overdraft alarm when the credit card cannot be paid?

1, public security investigation stage.

The public security organ may impose criminal detention on an active criminal or a major suspect. If it is considered necessary to arrest, it shall be submitted to the people's procuratorate for examination and approval. When investigating a closed case, the public security organ shall ensure that the facts of the crime are clear and the evidence is true and sufficient, write a prosecution opinion and transfer it to the people's procuratorate at the same level for examination and decision together with the case file and evidence.

2, the procuratorate review and prosecution stage.

The people's procuratorate shall make a decision on the case transferred for prosecution by the public security organ within one month, and the major and complicated cases may be extended by half a month. If the people's procuratorate believes that the criminal facts of the criminal suspect have been ascertained and the evidence is true and sufficient, and criminal responsibility should be investigated according to law, it shall make a decision to prosecute and file a public prosecution with the people's court in accordance with the provisions on trial jurisdiction.

3, the court trial stage.

When trying a case of public prosecution, the people's court shall pronounce a judgment within one month after accepting it, generally not more than one and a half months at the latest.

3. What are the conditions for transfer for review and prosecution after the credit card cannot be repaid and the malicious overdraft is filed?

When the public security organ transfers it for examination and prosecution, it shall ensure that the facts of the crime are clear and the evidence is true and sufficient. If the evidence is true and sufficient, the following conditions shall be met:

(1) There is evidence to prove the facts of the case;

(2) The evidence of the facts of the case has been verified through legal procedures;

(3) According to the evidence of the whole case, the ascertained facts have been beyond reasonable doubt.

A natural person who is unable to repay his debts cannot achieve the purpose of debt relief by filing for bankruptcy. The subject that can apply for bankruptcy can only be a legal person. However, when a natural person no longer has any debt repayment ability, he can ask the bank to directly cancel the credit card debt. Applying for credit card debt exemption requires valid proof materials.