1. If you usually neglect to repay, you must repay as soon as possible, preferably in full, after you find that it is overdue. Then call the bank's credit card center to declare that it is not malicious. If it has been recorded well in the past and the overdue time is short, it may not be recorded as a bad record if it is found that the repayment is good after the overdue. Don't be careless in the future, be sure to pay attention to the bank's bill notice and collection information to avoid overdue.
2. Some people don't use credit cards very often. When their credit cards are overdue, they plan to completely stop using them, simply ignore them, and neither repay nor cancel them. In fact, this practice is very wrong. If you don't pay back all the time, you will be overdue once a month, which means you will be recorded with a bad credit record once a month. And if you don't repay for many months in a row, you will be sued by the bank and convicted of malicious arrears, and your credit record will get worse, and the amount of arrears will get bigger and bigger. In serious cases, you will be sentenced to a fine.
3. If the credit card is overdue, the credit card center of the issuing bank will collect it. Because of ignorance and blind arrogance, some people not only don't pay back, but also "run away" by changing their address and mobile phone contact information, so that banks can't contact themselves, thinking that they can't help themselves. In fact, this practice is absolutely not desirable. When you apply for a credit card, your real name information has been recorded by the bank. Once you "run away", the bank will think that you are maliciously overdrawn and owe money, and will call the police. The police will list you as a wanted person.