As a credit card holder, once you are unable to repay on time due to unemployment, illness or other accidents, before the final repayment period arrives, the card holder is best to call the bank's credit card center proactively. Contact us, state your financial situation, affirm that you do not owe money maliciously, and apply for delayed repayment and interest discounts.

How to pay off your credit card when you are just sick: 1. Use installment or minimum repayment; 2. Use the delay tolerance service provided by the bank; 3. You can change the bill date to delay repayment; 4. , Take the initiative to explain the situation to the bank and negotiate. A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front and a magnetic strip and signature strip on the back. card.

The consequences of paying off a credit card when an individual is sick are: 1. If the overdue credit card does not constitute a crime, the party concerned shall bear civil liability. If the bank files a civil lawsuit against the party concerned, the party concerned shall repay the loan as soon as possible. If the credit card is overdue, the people's court may blacklist the person concerned; 2. The overdue credit card behavior is caused by malicious overdraft, which may constitute the crime of credit card fraud and will be investigated for criminal liability. The judicial authority will impose corresponding penalties on the person concerned.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China. Whoever commits credit card fraud in any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or Criminal detention and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge Or if there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated:

(1) Using a counterfeit credit card, or Using a credit card fraudulently obtained with false identification;

(2) Using an invalid credit card;

(3) Pretending to use another person’s credit card;

(4) Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.

Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.