1. Credit card generally refers to a credit card or a quasi-credit card. When using a card, the bank will give you a certain credit limit based on your credit status and income, and you can overdraft within this limit. 2. The time required for a credit card. Depending on the region and bank, it may take a few working days or even 2 months. Please ask Shen Bank specifically. 3. The bank’s general procedures for handling overdrafts that cannot be repaid on time. 1. Repayment notification via text message or phone call. There are also cases where notification is not given because the overdraft amount is small or post-loan management is not perfect. Repayment when due is your own business, don't expect the bank to remind you 100% of the time. 2. Report all your credit records to the Credit Reference Center of the People's Bank of China, including normal usage records and abnormal default records. The data in this center can be shared by other banks and will have a decisive impact on the future bank financing business of individuals and companies established by individuals. Negative credit records caused by personal defaults cannot be deleted once generated. 3. Calculate penalty interest or late payment fees and liquidated damages in accordance with regulations. 4. Make a written collection, issue a lawyer's letter, and freeze your bank credit card account. If the card agrees that the money can be deducted from your other bank accounts, the debit process will also be started. 5. Go to court to demand repayment. 6. All efforts have failed to collect your arrears. The bank applies for write-off of bad debts, but reserves the right to recover from you. At this point, you will never want to go to various banks for loans or cards in the future. All banks will classify you as a bad customer.